rules. now, that s good news but what has happened before the deadline has consumers fuming. take a look. consumers have had it with their credit cards. i paid my bills on time. i ve been penalized for no reason. they don t care that i ve been with them for 30 years. and then i might have a history with them. that is the bottom line. reporter: kathleen dillon and rev rabd roger gench is dealing with the unintended koens conversations squenszs of credit card reform. facing consequences, they have changed theish shusz. among the new credit card rule, interest rates can t be raised on existing balances or on accounts that are less than a year old. and above the minimum payments must be applied to highest rate balances first. those changes will cost banks money, $11 billion each year, and lenders are looking for new sources of revenue. interest rates will be a little bit higher across the