aghi said that small banks "have expanded their business both outside their territory and with large customers, but they must now make their governance arrangements, organizational structures and credit risk control systems adequate to their larger shares of intermediation." In March the Bank of Italy finished an over seven months investigation into Italian mutual bank Banca Popolare di Milano (PMI.MI), urging the lender to strengthen its capital ratios and forcing it to announce a EUR1.2 billion capital increase. It also changed its governance structure to reduce the power of trade union representativp across the board, says Gaurav Gupta, a director at Novantas."APRs are higher than they were earlier, and fees for cash withdrawals andforeign currency transactions have also gone up," he says. Bill Coleman, a small business owner in Denver, Colo.,agrees, saying, "Rates are way up. I used to get offers of 0 percent for 12months plus a 3 or 4 percent balance transferfee. Now offers are for 4 to 6percent, plus a 5 percent or more transfer fee. Might as well get a loan frommy credit union." Here's an overview of the fallout in terms of what it meansfor you:Good to excellent creditIf you've got good to very good credit, defined roughly as acredit score of 680or higher, you can expect credit card offers with:APR: 10.9 percent to 13.9percent, variable rateAnnual fee: 0 to$175, depending on rewardsIf you're lucky enough to be part of this group, expect tobe bombarded with credit card offers for people with excellent credit, as issuers are focusing their attention on consumerswith the highest credit scores, says Scott Crawford, CEO of Debtgoal.com. "Ifanything, there's more competition for the high-credit-score consumer, withoffers slightly more generous than they were before if you've got a goodscore," he adds. Gupta agrees, saying, "A lot of card issuers are focusing onthe pristine, the prime and the superprime segments, and the need for betterrewards and better product features, which is what works in that segment." Hedefines superprime as those with FICO scores over 720 or 750, though somereports have pushed that number even higher. And don't surprised if issuers of your existing cards eithertry to induce you to spend more on their card or move up to a better card,Bialek says. This could include a so-called negative-option offer, in which anew card will be sent to you unless you opt out, he adds. "Issuers are doingmore and more to identify favored customers based on creditworthiness and theamount of spending and to tailor offers specifically to them." Average creditIf you have average credit, which is defined as a creditscore of 600 to 680, you can expect credit card offers with:APR: 13.9 percent to 19.8percent, variable rateAnnual fee: 0 to$175, depending on rewards "If you've got a score of 600 or above, you can find somecredit with a major issuer," says Lehrer. "That's always been the case andcontinues to be the case." But rates for those consumers have risen more on average as credit card companies are trying tocope with the fallout from the Credit CARD Act, which prevents them fromraising rates on consumers without notice.Indeed, the biggest impact of the Credit CARD Act has been"to eliminate risk-based pricing," says Bialek. "It used to be that cardissuers could give consumers an offer and then, over time, change the pricingon that card if the risk changed. The card issuer was able to protect itselfagainst late payments by being able to increase rates. Now, that's been limitedto a large degree." Poor creditIf you're saddled with bad credit -- a creditscore of 600 or lower -- expect credit card offers with:APR: 19.9 percent to 29.9percent, variable rateAnnual f