The Associated Press article headline screamed: "Newest credit card trick: 79.9 percent interest."

I’m not sure if the word "trick" was an attempt at a pun on card trick or meant to suggest a trick as in the opposite of a treat. But so often today, we use the word trick to reference a quick way to get something done, or a prank. Not this time, though.

The article covered a new credit-card program, offered by subprime credit-card bank First Premier, that has been revised to avoid violating the new Credit Card Accountability, Responsibility and Disclosure Act (CARD Act), which prohibits card issuers from levying fees greater than 25 percent of an account’s limit in a year.

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