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2 Comments
The Credit Card Industry Is Facing New Regulations [view article]
One more comment, a pet peeve about every card I have. They offer you a deal, a transfer, a loan, all with no interest for many months. Except, you have to look hard (sometimes referred to card agreement, if it can be found) to see there is a "transaction"... charge of 3%. Well, if it was to be paid off in 1 mo, that is 36% interest. Most people won't pay it off that quickly - the example above is an extreme.The other point, again well hidden, payments you make on your card will be applied to the lowest interest balance - the special 0% interest balance, while any balance you had previously will sit and collect interest until the 0% balance is paid off. Then, when you realize the scam that was just pulled on you, and you quickly pay off that 0% loan, you have already paid a very steep interest on it through that transaction fee. May 04 01:02 AM
The Credit Card Industry Is Facing New Regulations [view article]
This is what it is about. I just rec'd this week an announcement from C___ (4 letters) that my interest rate was going to zoom from 8.2% to 13.99% post dated to Feb 1. I am carring 2K debt on it and paying it down at 10%/mo. No reason for the interest increase. The card is going in my desk drawer. Once the debt is gone, I will never use it again. But let them continue to send me 14 offers a month. Hahaha! May 04 12:50 AM