Big business, and big banking, sometimes makes its money from squeezing the little guy.

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Most Americans have at least a couple of credit cards. The widespread use of bank cards and credit cards has resulted in a number of laws designed to protect the consumer from unfair practices. Among these are the Truth in Lending Act, the Equal Credit Opportunity Act, the Fair Credit Reporting Act, the Fair Credit Billing Act and the Electronic Funds Transfer Act. Class action lawsuits have been filed for a variety of violations: illegal monthly service fees on balance transfers; unfair or excessive late fees; changes in minimum payments; hidden fees; misleading statements of interest rate or terms; and many other unscrupulous practices.