You're a good customer who pays off your credit card balance every month so you're protected from unexpected fees from your credit card company, right?  Not anymore.

Credit card reform was supposed to protect the consumer, but instead, credit card issuers are looking for ways to raise income before those new rules go into affect in February.

Credit card companies are hiking their interest rates, as much as 36 percent and in some cases, doubling your minimum monthly payment.

"Their job is not to employ people. Their job is not to help the community. Their job is to make money. So when our government says you're being too aggressive to make money and make laws to restrict those, then credit card companies say we'll go find another way to make money," Financial Coach Andy Traub said.

Even if you don't carry a balance, you could wind up paying an annual fee from $29-$99. Citibank has started charging annual fees to card holders who don't put more than a certain amount on their cards, usually $2,400 a year.  Other banks are charging inactivity fees for customers who don't use their card for a certain period of time.

"I don't think that's fair. Unfortunately, you get these and don't pay any attention to it. And I'm one who pays off my balance and it would affect someone like me who doesn't use them," consumer Connie Mowry said.

"I don't like it. That's why I am a good customer. I don't want to pay interest. I work hard at it. We limit our credit cards so we can pay them off. I don't like it at all," said consumer Paul Erickson.

The very thing that bothers good customers who live in South Dakota is the reason major credit card issuers are located here. There's no usury law capping interest rates.

"South Dakota, we welcomed these companies in. The reason so many of them are here is we changed our laws to be unique state that allows exorbitant interest rates. So we're stuck between a rock and a hard place. We love to have these places come and employ us, but we don't want to pay the interest rates," Traub said.

Traub says consumers should take their outrage and do something about it.

"This might just be a great reason for us to use credit less, or cut down on the number of cards you have," Traub said.

Now, you can call your credit card company and ask them to waive a fee or lower your interest rate. If they refuse, you can close your account. But that action will hurt your credit score in the short term.