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.