FILE – In this July 29, 2009 file photo, a Visa sticker is shown at a business in Detroit. The new credit card regulations are finally here. Starting Monday, Feb. 22, 2010, banks will need to abide a spate of new rules on terms and disclosures. The idea behind the landmark law was to prevent banks from using unfair practices that dig borrowers deeper into debt. (AP Photo/Paul Sancya, file)