There's a simple solution to all the flapdoodle about rapacious credit card issuers: Pay your bill in full each month. This avoids interest charges and builds a solid credit rating while using the bank's money interest free for about a month. But this is America, land of the perpetual victim, where no one bothers to review a credit card's disclosure statement. New credit card regulations take effect in July 2010. Representative Carolyn Maloney of New York has reintroduced the Credit Cardholders' Bill of Rights, which offers the same reforms and would become effective 90 days after President Obama signs the...