None of the credit cards offered online by the 12 largest U.S. banks would meet requirements of new federal curbs on the industry's rates and fees, according to a report from the Pew Charitable Trusts.

All of the cards surveyed used practices considered "unfair or deceptive" by the Federal Reserve banks, according to the report, which the Philadelphia nonprofit group released Wednesday. The study examined almost 400 cards advertised by banks and credit unions and compared terms for cards offered in July 2009 and December 2008.

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