"The Credit CARD Act is prohibiting retailers from disclosing a rate of 0 percent APR," says Bowne.
"They can't disclose the rate at 0 percent because that is misleading.
The way to avoid this step is to get through to this dialogue box from a different location.
Instead of clicking 'sign up' from the top bar, go into the i Tunes store (not signed into any i Tunes account) and find a free app.
Other specific changes in advertisements were mandated, including posters, in-store ads, solicitations, banner ads, envelopes and pop-up ads.
"If you select None, you will be asked to provide a payment method when you make your first purchase," i Tunes says -- so as long as you don't want to actually buy anything, you won't have to give them your credit card details.
Traditional no-interest, no-payment plans are going the way of the cassette tape.
The major provisions of the Credit CARD Act took effect on Feb. Changes to the Truth In Lending Act's Regulation Z -- which spells out what lenders must disclose when issuing credit cards or other loans -- also took effect July 1, 2010.
The changes to deferred interest plans are significant, though consumer advocates hoped for more.
Maddy decides that she is ready consummate her relationship with Spencer on his birthday.
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