BRIDGEPORT - Credit advisors are warning consumers in southwestern Connecticut to keep an eye on the rates and fees charged by their credit card companies this holiday season.

According to a Federal Reserve survey, nearly half of lenders will raise rates and cut credit limits even on qualified borrowers in advance of a consumer protection law that takes effect in February.

Some credit card users say that will change the way they shop.

"If I can't buy it with cash, I won't buy it," says Carmela Williams, of Bridgeport.

Consumer financial advocate Brenda Brinz VanDeWeghe says lenders are required to send customers a written notice about rate and fee hikes.