1.   Even conscientious consumers with immaculate credit and payment histories are getting stung by charges that have no merit and hit with interest rates considerably higher than their initial rate.

2.   It is not easy being a conscientious consumer in the post-industrial, information economy.

3.   That approach, however, means much more work for the conscientious consumer.

4.   These developments offer the conscientious consumer a lot to chew on.