23 ordspråk av Bill Hardekopf

Bill Hardekopf

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

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

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.

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.

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.

In 95 percent of the country, it probably works great, and if you use your minutes correctly it's a great deal.

It truly is a commodity.

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

Many families are frustrated and overwhelmed by working hard only to see their debt grow instead of their savings. This is a large group of people who are one late payment away from receiving punitive default rates of almost 30% on credit cards and other loans. If you are at the edge, default rates will be devastating. If your credit card bill comes at the end of the month when there is no money left, contact your credit card company to change your billing schedule to fit with your pay schedule.

No matter who you go with, the services are going to be about the same. It comes down to your calling patterns, what your in-state rates are and the billing increments.

Some people still don't realize how much and how easily they can save on their long-distance bills.

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.

The largest carriers have raised rates each and every month this year. Instead of increasing across the board they have been increasing rates for one plan one month and another the next month.

The quality of the phone call with small carriers is the same, you just haven't heard about these companies because they don't spend a lot of money marketing themselves.

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

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