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Introductory or “teaser” ratesIntroductory or “teaser” rates: The sharp restriction of card issuers offering introductory rates for new credit card holders – a lower rate that increases after a set period – will most likely mean that consumers simply never get the benefit of the lower rates and pay the higher rate right from the beginning. Today, savvy consumers with good credit can sign up for new cards year after year and continue the lower rates almost indefinitely. Consumer web sites and other forums tell consumers effective methods to do this, and competition in credit card issuing resulted in a variety of rates for consumer to choose from. Deceptive or misleading practices can be dealt with without raising rates for consumers, as the restrictions in this bill will do..