Sale Dirty South
Credit Card Dirty Little Secrets
Do you know about credit cards and their dirty little secrets? I make my living knowing about them and I could not answer all the questions in a large survey of PBS Frontline Secret History of Credit Card Credit Card Quiz. Try it and see how much you want or do not know about universal default and other credit card issues. Then read this article for more dirty little secrets this great PBS special offers. Here are some appetizers:
UNIVERSAL DEFAULT - Did you know that the credit card company can increase your interest rate if you are late in paying ANY? That applies not only at the end of the credit card, but no! Being late on your phone bill, car, home ... NOTHING. Or if in the eyes of a creditor simply too much outstanding credit, all bets are off regardless of any interest rate has signed a.
The logic is simple. The industry believes it is in their right to protect their interests in a company of higher-risk loans without collateral. Therefore, it is not reasonable to increase rates if it has reason to believe the risk of being repaid has changed. And as a creditor, the creditor is entitled to see your credit file anytime you want ... all those of your file and not their own payment history.
CHANGES minimum notice - If this were not bad enough, consider the consumer payments on time each month on everything. No problem, right? WRONG! Buried in the contract (contract law attorneys admit they have a great difficulty to interpret) is a clause that allows the company to change its interest rate at any time for any reason, provided that the owner is given 15 days notice. " That's right. They can change their mind after making a purchase at 6.5% (for example) and all previous agreements are null and void. How can a purchase price may change after the sale? No other industry can do this but the credit card company.
Usury or NOT - According to Frontline, "There is no federal limit on the rate of interest on the credit card company can charge." In fact, an interest rate of 35% is not unknown. This is because in the 1980s in South Dakota and Delaware eliminated the cap on usury laws which is what is the maximum allowable interest charge. Have you ever noticed the return address on your credit card? More likely is that Delaware or South Dakota. Gee, I wonder why.
Deadbeats and revolvers - Usage in the sense of Deadbeat someone who is not taking responsible action. This is not true in the reverse of the credit industry. In the jargon of card bill credit, "Deadbeats" pay their balances off in full each month. They are deadbeats because the industry receives a benefit of these consumers were least responsible. Moreover, "revolvers" credit card roll over balances from one month to another and never pay in full. This is the ideal customer for the profit generated. Then there are the players, "rate surfers" or "changing usage between credit cards based on interest rates.
FEES - Again citing Frontline, "In 1996, the U.S. Supreme Court against Citibank Smiley lifted the existing restrictions on late penalty fees. This simply means there is no limit on the amount a credit card company can charge a cardholder for being even an hour late with a payment. "But this has opened a Pandora's box, not only for late fees, but over the limit fees and bad check fees as well. A lawyer who worked Smiley in the case says he believes that use penalty fees is $ 5 or $ 10 could reach $ 50 in a year. However, not the consumer should only deal with a higher rate, but late fees as well. Furthermore, what if these fees that exceed the limit of the creation of yet another fee. It is a spiral with no end in bankruptcy.
MINIMUM PAYMENT - Consumers used to be required to pay 5% of the outstanding balance. But spot credit card vendors suggested applying a 2% minimum required payment. This was announced as the consumer friendly "easy payments low." The truth is that the tactic allowed consumers to increase their debt because of the lower payment, which in turn creates more benefits through increased debt in a longer time period.
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Current Senators and Congress and other advocates of consumer credit has tried unsuccessfully to pass legislation to overcome some of these deficiencies. Unfortunately, even the prohibition of credit application of the university campus and dissemination of simple statements to pass to defeat a very powerful lobbyists credit. Let your Congress know how you feel about a simple statement below the amount of the payment of low water with some like: "With a minimum payment, your current debt will take years xxx for pay and the cost for you in the interest will be $ xxx."
Readers will probably be interested to know Mike, the author of this article, also offers free debt elimination mini-course via e-mail. You can enroll Debt In Songs of 7.5 years.
About the Author
Mike has been an Internet Guide/Writer in the field of Credit/Debt Management for over 10 years. His site was awarded Best Of Net by Forbes Publication from 2000 to 2005 with site visitation doubling to over 500,000 average views per month in the last year.
He has also offered debt elimination seminars to businesses and community colleges for the last 9 years, and has written for several publications, and has been interviewed on the radio a number of times.http://learncreditmanagement.com/
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