When it comes to the Internet and ecommerce, the always blurry line between providing legitimate information and conning people into buying useless products is particularly fuzzy. And credit cards, unfortunately, often play into the mix in ways that are harmful to consumers.

You don’t need researchers Carnegie Mellon, Stanford and MIT to tell you that you spend more money when paying credit cards instead of cash while shopping. Unless you have the willpower of a Navy SEAL, this is an unfortunate fact of life.

While it may sound like it would be to your advantage to opt out of unwanted changes to your credit card terms, look before you leap. The new credit cards rules for opting out are not as helpful to consumers as they may seem.

In case you wonder if low interest credit cards are a thing of the past, here is some good news: there are still many great low interest credit card offers out there; however, you have to look longer and harder for them.