Ed Mierzwinski
Ed Mierzwinski
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Early termination penalties prevent consumers from voting with their feet when their cell phone company treats them wrong,
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Rather than voting to protect consumers, the Committee made things worse. All consumers should have the right to sleep at night without worrying about identity theft -- this bill takes us in the exact wrong direction.
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The purpose of the report and the survey ... is to make it clear to the FCC that the cell-phone industry is not competitive, that consumers are locked in a cell and they need greater protection,
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States and consumer advocates think that gift card fees, such as deductions every month if you don't use the card, are unfair to consumers. Many states, led by California, have enacted legislation severely limiting or even banning such fees.
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I'm encouraged that some issuers are doing this. I think penalty fees are a disingenuous way of making money, ... I'm encouraged the marketplace is responding to pressure from lawsuits and consumer complaints.
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Be prepared for a long battle to clear your name
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Credit cards offer convenience. Credit cards offer emergency life preservers. If you start to use your credit card for daily expenses, and you start paying for pizza at 18 percent interest -- do the math.
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It doesn't sound like it will help very many people. And that's the bottom line.
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It doesn't hurt to overreact, but it's not worth it to obsess.
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You can complain to a small bank, but you can't always complain to a big bank. When you talk to people at a small bank, they actually have the authority to make decisions.
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Understand that the credit-card company is trying to trick you into running up a bigger balance or paying late. Don't fall for their tricks. Pay on time, as early as possible. And don't just make the minimum payment.
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Gift cards are popular because you don't have to buy a gift, ... You just have to know where they like to shop.
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Money talks and the phone companies know that.
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It wasn't the largest breach, but it showed a stunningly sloppy business model.