Credit card companies increasingly use deceptive billing practices to squeeze even more money from Americans. Extremely high interest rates are a particular problem for middle-class borrowers who use credit cards on a regular basis and are then charged fees even when they pay bills on time and in full. The Stop Unfair Practices in Credit Cards Act reins in these abusive practices: prohibiting interest charges on any debt that is paid on time; limiting penalty interest rate increases to 7% above the previous interest rate; making rate increases applicable only to credit that is extended after an increase takes effect; prohibiting the application of interest charges to credit card fees; and banning fees on bill payment. Additionally, the legislation compels credit card companies to offer fixed-limit cards whose maximum limit cannot be exceeded and to apply bill payments first to the card balance that is subject to the highest interest rate. Over-the-limit fees may not be imposed when limits are exceeded due to penalty fees, may only be applied once during a billing cycle, and may not be imposed in subsequent billing cycles unless an additional purchase is made.