12 consumer protections in the Credit CARD Act informs that the Credit Card Accountability Responsibility and Disclosure Act of 2009, commonly called the CARD Act, is a federal law that changed some of Credit Card Issuers' practices and consumers' rights in the USA. 

Below is an extract from a postscript

Law doesn't cover everything
Although the reforms were dramatic, they do not protect card users from everything. Issuers -

(i)        can still raise interest rates on future card purchases; and

(ii)       there is no cap on how high interest rates can go.

Business and corporate credit cards also are not covered by the protections in the CARD Act. If credit card accounts are based on variable APRs (as the vast majority now are), interest rates can increase as the prime rate goes up.

Credit card companies can also continue to close accounts and slash credit limits abruptly, without giving cardholders warning.