[Merrick Bank had the highest default rate with 35 percent, followed by Citibank and Providian, both with 29.99 percent.] When a customer is actually at the point of completely defaulting, there may have been some signs before that time that the company could've picked up on and dealt with in a more humane fashion than [what] most credit card companies seem to be doing at this point, ... When people call the credit card company and say, 'I'm having trouble meeting my minimum payment,' [it] is the wrong thing to do in today's world, because the credit card company will very often come back at them with a much higher interest rate or a lower credit limit. |
A key thing to worry about on these cards is the expiration of the rebate. It can expire if you don't ask for it on some of the cards. So, that can be within even as short a time as six months. |
Basically, credit card companies can write their own rules. |
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. |
Calls for just 5 cents a minute. |
Even if you lose, the message will start to be heard. |
Everybody knew this was coming. Nobody knew how banks would follow it. |
I advocate staying with a company you like and trying to get them to be nicer to you. |
I came face to face with 'usual and customary,' |
I would be afraid of this. |
If it's due on the second or the third, and if you typically pay bills on the 29th, you have to be realistic that it could get there late, |
If it's due on the second or the third, and if you typically pay bills on the 29th, you have to be realistic that it could get there late. |
It definitely pays to shop around, |
It's very tough if you have no English or very limited English to get through that Web site. |
Marketing gimmicks are pretty popular right now, ... Issuers have to try to separate themselves from the pack. |