The benefits of stricter credit card regulations appear to have come without the predicted drawbacks – at least so far.
 
It's been nearly six months since a sweeping law changed how credit card companies are able to hike interest rates, charge over-the-limit fees and apply payments. Because the tighter regulations cut into several profit centers, banks were widely expected to replace lost revenue by bringing back annual fees, cutting expensive reward programs and doing away with limited time, ultra-low rates for new customers.

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