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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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.
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A rate is something everybody pays for their service. This is a penalty that is designed to prevent you from shopping around.
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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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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.
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They are trying to increase the use of debit cards to increase their profits.