23 ordspråk av Bill Hardekopf

Bill Hardekopf

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Every person who pays off their credit card in full each month should be using a credit card that gives a rebate or a reward. Otherwise, you are being economically foolish. Some of these cards pay you a significant cash rebate just for using the card.

This is definitely not good for competition.

There are so many different options for consumers that didn't exist 20 years ago.

The card does have some good attributes, but consumers need to be cautious and know what they're getting into. They really need to dive into the terms and conditions.

These households have probably gone through budget shock--as their balances have risen, the interest rates have also increased every few months and the minimum payment percentage has just increased. The average APR is now above 13%, so carrying that balance is getting very expensive. The average household is paying over $700 per year in interest for credit cards.

If you expect to receive a tax refund or a bonus in the next year, transfer your balance to a card with 0% APR on balance transfers for 12 months. Extra money from tax refunds, gifts and bonuses can help significantly in paying down the balance.

These households have probably gone through budget shock -- as their balances have risen, the interest rates have also increased every few months and the minimum payment percentage has just increased. The average APR is now above 13%, so carrying that balance is getting very expensive. The average household is paying over $700 per year in interest for credit cards.

This is definitely not good for competition. A number of consumer groups including Consumer's Union and the Consumer Federation of America plan to ask the Justice Department to reject the merger and we tend to agree with them. We are watching AT&T be reconstructed again right in front of our eyes. If the FCC is going to allow this to happen you have to ask why they broke them up in the first place.

We are watching AT&T be reconstructed again right in front of our eyes. If the FCC is going to allow this to happen, you have to ask why they broke them up in the first place.

We don't think this is a good thing for consumers. The telecom industry has exploded, in terms of growth and options, and now AT&T will be even bigger and more powerful than it was.

It used to be 25 days. A number of them have gone to 20 days.

If it's not back there by the due date, you can go into a default rate here very quickly. If you miss a couple of payments, you can be charged a default rate, which can be up to 28 percent.

As a consumer, make sure you read the dreaded terms and conditions of the card so you know what you're in for.

We think the market will change quite a bit.

Come the end of the month you might see some nice incentives for carriers who want current customers to extend their contracts.

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