Linda Sherry
Linda Sherry
checking
You don't want to be lackadaisical about checking your bill.
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We feel the penalty rates are assessed too fast, often after just one late payment. It's not just people in financial difficulty. Anybody can be caught in this web, say by going on vacation and missing a payment.
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Marketing gimmicks are pretty popular right now. Issuers have to try to separate themselves from the pack.
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Marketing gimmicks are pretty popular right now, ... Issuers have to try to separate themselves from the pack.
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Using 10-10s to call internationally can be a bargain if you are careful about monthly fees, ... Many of the pre-subscribed international calling plans offered to residential customers by primary carriers have somewhat higher rates and charge a monthly fee.
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These plans can be a hassle to use. You have to dial seven digits before the number you wish to call for a total of 18 numbers.
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It's very tough if you have no English or very limited English to get through that Web site.
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They can be tempting but they have very, very high interest rates, ... you pay as you go.
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They'll let you know if somebody opens credit, so you can go out, backtrack, alert law enforcement authorities...
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You may have to contact the issuer two or three times, but keep plugging away until your credit report shows that the card has been closed.
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To me, having a good card with a low rate that doesn't zap you with late fees is a better way to go than all of the gimmick cards.
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Even if you lose, the message will start to be heard.
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Be prepared for some runaround when trying to find out the fees for foreign transactions. A lot of representatives don't have a clue, so you have to be persistent.
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Everybody knew this was coming. Nobody knew how banks would follow it.