Ed Mierzwinski
Ed Mierzwinski
cell clear consumers greater industry locked purpose report survey
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,
battle clear name prepared
Be prepared for a long battle to clear your name
companies money phone talks
Money talks and the phone companies know that.
finding improvement seen slight
We've seen some slight improvement ... but we are finding too many playgrounds that are unsafe.
bottom help sound
It doesn't sound like it will help very many people. And that's the bottom line.
hurt worth
It doesn't hurt to overreact, but it's not worth it to obsess.
banning card consumer gift led limiting month states unfair
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.
buy cards gift popular
Gift cards are popular because you don't have to buy a gift, ... You just have to know where they like to shop.
mind peace worth
If it's worth some peace of mind for some people, for $25 a year, I'm not going to tell you not to do it.
authority complain people small talk
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.
balance bigger company early fall minimum paying running trick trying understand
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.
amount bit credit designed early gimmick id inflate matter monitor pay prevent revenue spend
You don't need to spend $79 or more to monitor your credit. It's a gimmick designed to inflate the revenue at the bureaus. It's not going to prevent ID theft. It may give you a little bit of early warning. But it doesn't matter enough for you to pay that amount of money.
designed everybody pays penalty prevent rate service shopping
A rate is something everybody pays for their service. This is a penalty that is designed to prevent you from shopping around.
consumer encouraged lawsuits penalty pressure responding
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.