Less fraud protection. I got my first credit card in 1998 and started paying attention. https://en.m.wikipedia.org/wiki/Fair_and_Accurate_Credit_Transactions_

Less fraud protection. I got my first credit card in 1998 and started paying attention. https://en.m.wikipedia.org/wiki/Fair_and_Accurate_Credit_Transactions_Act https://en.m.wikipedia.org/wiki/Fair_and_Accurate_Credit_Tra... This gave prior anti-fraud legislation more teeth and had a huge impact.