• Inactivity fees. If you don’t use an account for a year, your issuer may begin charging you $3 a month until you do.

• International transaction fees. Not only are they increasing but issuers have expanded the definition of what they apply to, including items bought online in U.S. dollars from companies in other countries.

• Balance-transfer and cash-advance fees. Minimum fees for these activities are increasing while maximum fee “ceilings” are disappearing. Both fees are also more common.

Read the fine print of a card agreement before you sign up. For existing cards, read notices about changes in your terms and conditions carefully. For more on credit card issuer abuses that the new law doesn’t prohibit, see Consumers Union’s Defend Your Dollars Web site.