Can your credit card company KISS? (That's an acronym for "Keep it simple, stupid" -- nothing to do with the band or romance.) In advance of federal reforms, Bank of America (NYSE:BAC) this week started sending out simplified policy explanations.

The Associated Press notes: "One important item the letters don't spell out is how long it will take to pay off outstanding balances if only minimum payments are made. After February, that critical information is required to appear on monthly statements, and will likely shock many consumers."

Who's going to best comply with the letter and spirit of credit card reforms? How will card providers like JPMorgan Chase (NYSE:JPM), American Express (NYSE:AXP), Discover Financial (NYSE:DFS), Capital One (NYSE:COF), and Citigroup (NYSE:C) do?

If you had only Twitter's 140 characters, what would you tell credit card users? Scroll down and let us know in the comments box.

Kris Eddy owns no shares of any stocks mentioned in this article. American Express and Discover Financial are recommendations of the Motley Fool Inside Value newsletter. Try any of our investing newsletters free for 30 days. The Fool has a disclosure policy.