The Seattle Times has a story Sunday Credit-card rule changes may break your back with a much stronger emphasis on credit card tricks.

Among credit-card disadvantages for consumers: One card can have several interest rates at one time. And terms of your cards can change at any time based on how you pay your other bills. "Credit cards offer convenience, credit cards offer emergency life preservers," said Ed Mierzwinski, a consumer advocate with WashPIRG's national office. "If you start to use your credit card for daily expenses, and you start paying for pizza at 18 percent interest — do the math."