Amendments to the Truth-in-Lending Act"s credit card rules state that a company may not retroactively the interest rates on existing card balances unless the account is sixty days delinquent; must provide forty-five days" notice to consumers before changing its credit-card terms; must send monthly bills to cardholders twenty-one days before the date; may not increase the interest rate charged on a customer"s credit-card balance except in situations, such as when a promotional rate ends; may not over-limit fees except in specified situations; must apply payments in of any minimum amount due to the rate when the consumer has balances at different interest rates; and must not finance charges based on the previous billing cycle.