Colorado and Illinois legislators passed state bills to curb credit and debit card fees that Visa, Mastercard and their issuers impose on merchants, but both bills have suffered setbacks this year. Neither has taken effect, with one vetoed this month and the other postponed. On another front in merchants’ battle against card fees, a federal court settlement between the card networks and merchants that was expected to offer increased relief from the fees remains unpopular with many plaintiffs.