Acompany may not retroactively:
(a)-the interest rates on existing card balances unless the account is sixty days delinquent.
(b)-a company must provide forty-five days’ notice to consumers before changing its credit-card terms.
(c)- monthly bills must be sent to cardholders twenty-one days before the date.
(d)-the interest rate charged on a customer’s credit-card balance may not be increased except in situations, such as when a promotional rate ends.
(e)- a company may not over-limit fees except in specified situations.
(f)-when the customer has balances at different interest rates, payments in of the minimum amount due must be applied first to the balance with the highest rate.
(g)- a company may not finance charges based on the previous billing cycle.

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two years ago, when picking flowers in the mountains back of yosemite valley, i found a book. it was blotted and storm-beaten; all of its outer pages were mealy and crumbly. the paper seemed to dissolve like the snow beneath which it had been buried, however; many of the inner pages were well preserved. and although all were more or less stained and torn, whole chapters were easily readable. this is the condition of the great open book of yosemite glaciers today; its granite pages have been torn and blurred by the same storms that wasted the castaway book.

two years ago, when picking flowers in the mountains back of yosemite valley; i found a book. it was blotted and storm-beaten, all of its outer pages were mealy and crumbly. the paper seemed to dissolve like the snow beneath which it had been buried, however, many of the inner pages were well preserved. and although all were more or less stained and torn; whole chapters were easily readable. this is the condition of the great open book of yosemite glaciers today, its granite pages have been torn and blurred by the same storms that wasted the castaway book.