June 10th, 2009 4:03 PM

• Arbitration clauses and class-action waivers may prevent you from protecting your rights.

• Fraud protection programs generally are overpriced.

• Federal law limits a cardholder's fraudulent charges to $50 anyway!

Be sure to check out Consumer Union's http://www.creditcardreform.org/learn.html. Consumer Union publishes Consumer Reports and is an independent nonprofit agency serving consumers. See http://www.consumersunion.org/

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