you of this. they have to tell you they are raising their rates. six months after they raise your rates presuming you paid on time and you got yourself back into good standing you have a right to have it reviewed and if you deserve it, it can be lowered again. keep in mind, they may not decrease it 10% but six months later you are reviewed and you get some sort of rate decrease. >> gregg: now gift cards. they can be a really terrific thing, but they can also be a scam. so what about the new protections? >> so many people don't use them. put them away for a rainy day and you are getting charged inactivity fees for not using the cards. if you get a card today you have up to five years to use it. it gives you a lot of time to use it. these gift card companies will charge some sort of inactivity