Linda Sherry
Linda Sherry
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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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More and more companies are unwilling to promise a rate until they've checked your credit.
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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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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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The factors cited by card issuers are very broad. It appears that anyone - not just people in financial difficulties - could be subjected to a much higher rate for very insignificant reasons.
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They may have a great price for Mexico, but a terrible rate for someplace else.
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You may not realize it, but paying your mortgage late could trigger a penalty rate on your credit card,
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We see a shift in the industry toward cards that give something back, because industry research shows that reward cardholders make more purchases, tend to use their rewards cards exclusively and are less likely to jump ship for lower-rate 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.
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We've found that many people neglect to renew their anti-virus when an upgrade comes around, because they think they can do without it. This education effort is aimed at showing them the little steps they can take to protect themselves.
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Sending people a check is a totally deceptive way to sell a product. If you want to sell a product, send a nice brochure explaining why it's a good deal. You shouldn't have to trick people into buying it.
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One seemingly small mistake - that most people don't think of as anything - can have ramifications far beyond what seems legal to most people. But it is legal.