Sometimes you will run into issues or problems with your bank when asking for help or assistance. If you have a legitimate financial problem and asked the bank to help out with a payment arrangement or hardship assistance and do not receive help, there is a solution that may just help you. You can contact the Office of the Comptroller of currency or (OCC).
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The card company can increase the interest rate with no advance notice if:
1. If you have a variable interest rate tied to an index and the index rises.
2. You opened the card with a teaser rate and it expires (which would be stated in your original agreement)
3. If you're in a workout agreement and you haven't made your payments as agreed.
4. If you're more than 60 days late with a payment. (Late payers can earn back their previous rate
What I am finding out is more and more collectors will be using" social networking searches in 2011. Consumers are now visiting more social networking sites then ever before. Now creditors can see your posts and possiable track you down with the information you put online. Now they can not message you or leave a nasty comment by law.
In the end, though, if you're indebted to a collection agency, they'll usually use any lawful means to contact you -- including intensive social
Anybody have tips or advice for getting a lower interest rate on your credit card?
I know we have all seen a handful of tips and advice on this subject! I personally have been gathering information on this subject and I get know real answers. The most common answer is," Just call your bank and tell them you have another offer and you're going to balance transfer if you do not give me a better rate". I'm thinking, really it's that easy!
But what I see the most is companies
Credit Card Fees - SDFinch
Many credit cards have fees. You will want to read your credit card agreement carefully to make sure you understand all the fees associated with your card. You can use the Federal Reserve's consumer credit card agreements search to find general examples of the type and range of fees a credit card may have. Here are some common fee terms to look for:
An application fee is charged when you apply for a credit card.
An annual fee, membership
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