This is a guest post from LaToya Irby.

Just a couple of weeks ago, the President signed a set of credit card rules that will protect credit card users from many predatory tactics used by card issuers. For example, credit card issuers won’t be allowed to hike your rates on a short notice.

Though the rules aim to lower credit card costs, quite the opposite might happen. Many analysts expect credit card issuers will raise credit card costs to continue making profits. But, smart credit card users can keep paying little to nothing for the convenience of using credit cards. Here’s what you can do to be one of those people.