Like all things Obama, has anyone benefitted from the credit card reform?

In May 2009, Obama signed a bill which made it sound that we would be getting a break on the extremities of having a credit card, mainly the huge interest rates. He said he wanted to see Americans be able to get out of debt. I pay off my card every month. But, still notice that since the bill going into effect (February 22, 2009), interest rates are still way high 20+%, and my monthly fee went up from 5.95 to 8.50 right after he signed it in May. I know all about the 45 advance notice, and don't see any benefit in that.