then you re still good to go. but if you depend on debit or check cards or atm cards, then you have to proactively opt in because it would now be illegal for a financial institution to stick you with that fee unless you do so. definitely something to think about if you want to avoid that embarrassment. john, stick around to take a look at these statements from the nfcc. now if any of you out there are answering yes to two or three of these statements, you may be in financial trouble. but here s the thing don t panic because we ve got our experts ready to help before you dig yourself into an even deeper financial hole. joining our conversation, gail cunningham from the national foundation for credit counseling in dallas. john, this quiz is really a wake-up call for people looking at their finances and trying to decide if maybe they re in trouble. yeah, absolutely. look, the litmus test we know credit cards are not going away. be realistic about credit cards. the litmus test is