In an effort to beat new banking regulations going into effect in February, some credit card companies are rushing to impose new fees on customers—who pay on time. Citibank is jacking up interest rates as high as 30% on accounts in good standing, and charging annual fees to card holders who don’t spend enough of their available credit. Bank of America will begin next year charging a small number of customers an “experimental” annual fee, ranging from $29 to $99. Other banks are charging inactivity fees if customers don’t wrack up debt at certain times of the year.