Are you getting credit card solicitations in the mail that seem like they're a great deal?

Not so fast -- better read the mice type! The issuers are playing it dirty trying to grab customers before the new credit card rules go into effect.

According to LowCards.com, 1 in 4 of the solicitations landing in your mailbox have annual fees. And the average annual fee? $74!

The "super-primes" are being heavily targeted for these kinds of deals that seem great until you read the fine print. Super-primes are people with high credit scores, high annual incomes and a tendency to be big spenders. People just like Christa, as Clark jokes!

So often, you've got to look beneath the surface to make sure your best interests are being protected. In another example, stockbrokers are not bound by law to keep your best interest in mind (aka the "Merrill Lynch rule"). In other words, they are exempt from fiduciary responsibility to their clients.

That's why Clark often recommends seeking financial advice from a fee-only financial planner through NAPFA.org. But a trusted former member of NAPFA is now being investigated by the SEC for allegedly taking $1.24 million in kickbacks related to investments he was picking.

Meanwhile, let's not forget that Wells Fargo allegedly had a system in place to target black customers for subprime loans, according to a report in The New York Times.

People don't know who to trust anymore -- whether it pertains to credit cards, investments or mortgages!

Elizabeth Warren -- widely considered the nation's premier expert on personal bankruptcy -- has advocated for a financial product safety commission. But until there's a cop on the beat, you've got to be your own police officer. And that's what we're all about here on the show.