IMO, if you do happen to carry a balance, shop CC offers of less than 10% fixed APR's for the life of your loan and set up automatic drafts to pay the bill before the due date(s) in case you happen to forget one. Set up a checking account with overdraft protection if you're one who runs their checking account balances to the minimums because it's far better to let the overdraft protection kick in than to get stuck with 24.9% plus interest. With a $10,000 balance, the difference from 18% to >10% - preferrably less than 8% - could mean a difference of complying with the new law under the current payment schedule and your payments doubling.
But, what do I know?
Thanks for the tips. Next month we plan to get a month ahead on the big CC payment because as I told me wife if anything happened that caused us to be late the interest would go sky high. I will also call them all and ask for lower rates.