Before you get too excited about the new federal rules on deceptive credit card practices going into effect today, consider this: there are still plenty of ways to get hosed.

Nine months ago, President Obama signed the Credit CARD Act, which ended practices like "any time for any reason" increases on existing balances or late bill mailings, Sunday due dates, and other tricks that result in late payment penalties, for example, according to Americans for Fairness in Lending

That's great, but credit card companies have found all sorts of new ways to make up for the lost revenue (at least $12 billion a year, according to Morrison & Foerster as noted recently in the Wall Street Journal).

So, what to watch for?