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Most people who carry major credit cards are well aware that the interest rates associated with them tend to be higher than for other types of lending, such as home or auto loans. Anyone who has paid their credit card bill late more than once or twice is also aware that doing so may cause the interest rate on their card to go up – sometimes by quite a lot. Many credit cards carry interest rates of as much as 20% or 25% annually, and customers who want to avoid interest rates in that range make an effort to pay their bills on time. About the Author ©Copyright 2005 by Retro Marketing. Charles Essmeier is the owner of Retro Marketing, a firm devoted to informational Websites, including End-Your-Debt.com, a site devoted to debt consolidation and credit counseling, and HomeEquityHelp.net, a site devoted to information regarding home equity loans.
What many people do not realize, however, is that up to one third of all credit card issuers now include what is known as a “universal default clause” in their bills. This information, usually disclosed in the tiny print on the bill that few people bother to read, indicates that the interest rate on your credit card may be increased if you pay bills late to other lenders, even if you pay your credit card bill on time.
This means that paying any bill late that could show up on your credit report, such as an auto payment or a utility bill could cause your credit card interest rate to go up. This, in turn, could hurt your credit score. There is currently nothing in Federal law that prohibits this practice; the law only requires that lenders disclose it in writing. Credit card companies justify this by saying that customers that make late payments to anyone increase the risk for all lenders. Nevertheless, many, if not most, credit card customers are unaware that such policies exist.
Not all credit card companies have such a policy; in fact, most do not. Customers who are not interested in having the interest rates of their credit card tied to their ability to pay their phone bill on time would be advised to read the fine print in their credit card statement. If such a policy exists, you could either complain to your credit card issuer about it or shop around for another credit card. The lesson to be learned here is a valuable one – when you receive your credit card bill or a notification that your credit card billing terms have changed, take a moment to read the fine print.
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LEXINGTON, Ky. (AP) — Six top officials at the Blue Grass Airport will no longer have credit cards issued by the board after it was revealed that three employees racked up $4,500 in charges at a Texas strip club. Board chairman Bernard Lovely told ...
Read moreKy. airport officials lose credit card privileges - Herald-Dispatch
The autopsy of John Travolta and Kelly Preston's 16-year-old son, Jett Travolta, who died Friday morning, has been completed in the Bahamas. No results have been disclosed, and the official cause of death is still a mystery, though a source close to ...
Read moreReport: Jett Travolta Death "Not Suspicious" - The Hollywood Gossip
Flowery Branch —- Lawyer Milloy is considered a day-to-day decision for Sunday's game at Green Bay. The Falcons safety missed some action against Carolina after taking a knee to his rib cage... Falcons' Milloy feeling effects of Carolina loss (09 ...
Read moreFalcons Notebook: Michael Turner racking up awards - Atlanta Journal Constitution
How long will it take you to pay off your credit card? Photo: ABBIE TRAYLER-SMITH Paying off an extra £1 a month of a £2,000 credit card bill could mean you clear the whole debt six years earlier – but reducing your payment by £1 a month could ...
Read moreHow long will it take you to pay off your credit card? - Daily Telegraph
LEXINGTON, Ky. (AP) - Six top officials at the Blue Grass Airport will no longer have credit cards issued by the board after it was revealed that three employees racked up $4,500 in charges at a Texas strip club. Board chairman Bernard Lovely told ...
Read moreKy. airport officials lose credit card privileges - 14 WFIE
Share THE Irish credit union movement is facing into the most critical period in its 50-year history as a high proportion of its members shun its services in favour of credit card debt, motor loans and leases and electronic payments by direct debit ...
Read moreWill credit unions survive? - Independent
To speed onboard ticket sales, Amtrak is planning to buy 2,000 credit-card readers for conductors to use to sell tickets. Amtrak still will require most passengers to have a ticket before boarding a train, if ticket windows are open or ticket ...
Read moreAmtrak plans onboard credit sales - Philadelphia Inquirer
Credit scores appear to be slipping for consumers in Greater Cincinnati and Northern Kentucky - at a time when many people are counting on credit to survive the recession and take advantage of low mortgage rates. An analysis of auto loan applications ...
Read moreLocal credit scores sliding - Cincinnati.com
PETALING JAYA: The National Consumer Complaints Centre (NCCC) is proposing that consumers using credit cards to pay for petrol at the pumps be required to key in a personal identification number (PIN) or password. “There should be more efforts to ...
Read moreCredit cards at the pumps: Use PINs or passwords - star.com.my
Starting next month, anyone paying parking tickets, inspection fees or other Hamilton County transactions online with a credit card will be charged a minimum $2 fee. Whenever someone uses a credit card now, the credit card company charges a ...
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