These days, you have to be wary of bank and card fees. Lately, rate reductions are mostly only seen by consumers who have a higher than normal interest rate on the card, but have built a better credit history. As time goes on and cardholders remain in a positive credit position, subsequent rate decreases are rare. But any losses that banks may sustain in reducing interest rates as a result of the CARD Act will be made up for in checking accounts or debit card fees. Therefore, new credit cardholders should pay special attention to increases after their introductory period and any fees from their financial institution. Pay attention to those statements because the dwindling pool of fees banks can charge is leading them to hit you how it hurts; unexpectedly!