If you are one of those Citibank customers who have recently seen their interest rates hiked by as much as 30%, you may still have a chance to "Earn Interest Back," as Citi's program is aptly called.

As with everything else that banks are offering as of late, it all boils down to, well... the bottom line.

Credit card customers may need the Credit Card Accountability, Responsibility and Disclosure Act sooner than they thought.