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Lot of money, and that left me with very little access to emergency fundage if needed. >> reporter: but consumer experts say the card act does level the playing field. >> there are unequivocal wins for consumer in the new credit card legislation. >> reporter: its estimated consumers will save at least $10 billion a year because of the new law. but for kathleen, this is one relationship thats already soured. >> im just paying them down and i wont use those companies again. >> bottom line, you rea...