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Here’s a few pointers and helpful reminders to get you started:1.Your Profile Photo This is your chance to be in the spotlight!Credit Card Accountability Responsibility and Disclosure Act of 2009, commonly called the CARD Act, is a federal law that fundamentally changed credit card issuers' practices and consumers' rights.Here is a brief guide to its history and its 12 biggest consumer protections.But next time the attack will be on a completely different service with different users and for different reasons. I have an account on Forbes.com, and I got notice from Forbes in February of last year that their site had been hacked and email addresses and hashed passwords had been downloaded. Well, turns out an organization called the Syrian Electronic Army took exception to articles about Syria and decided to get some payback. Zappos and Living Social have been victims of hacks in the past few years. Never sign up for anything not business-related with your business email account. Even more true if you work in government, in education, in media, or in any high profile position. No one’s activity online is really safe, no matter what the areas of interest are.Significant changes in terms on accounts cannot occur without 45 days' advance notice of the change. Limited universal default: "Universal default," the practice of raising interest rates on customers based on their payment records with other unrelated credit issuers (such as utility companies and other creditors), has ended for existing credit card balances.Card issuers are still allowed to use universal default on future credit card balances if they give at least 45 days' notice of the change. The right to opt out: Consumers have the right to opt out of -- or reject -- certain significant changes in terms on their accounts. Limited credit to young adults Credit card issuers are banned from issuing credit cards to anyone under 21, unless they have adult co-signers on the accounts or can show proof they have enough income to repay the card debt.

The law gave consumers a bit more time -- 45 days instead of 15 -- to shop around for better deals if they don't like the new terms. CARD Act highlights Here are the highlights of the credit card law: 1.

But that doesn’t mean you’re safe from future attacks of this kind, even if the sites you tend to spend your time on are more reputable. So let’s get to some of the practical lessons from the Ashley Madison attack.

A lot of the snickering schadenfreude out there about Ashley Madison users getting their comeuppance through public shaming misses the point. As an example, the executive director of the Louisiana GOP is trying to explain he was using Ashley Madison for “oppostion research.” So you need to think carefully about what email address to use when you register for a website.

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