CardHub.com, a website that helps consumers compare andevaluate credit cards, has released a study which found that mostof the 10 major card issuers actually made their card applicationsless transparent and more difficult to understand in 2012 than theywere in 2011.

“Transparency has long been a hot-button issue in the personalfinance world, and the pent-up frustration among credit card usersculminated in the passage of the CARD Act in 2009,” said Card HubCEO Odysseas Papadimitriou.

“People simply cannot make the best financial decisions if theycannot accurately estimate the costs of different financialproducts, and they aren't going to painstakingly wade through theendless fine print that accompanies credit card applications,though it's in their best interest to do so,” Papadimitriousaid.