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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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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
WASHINGTON - Health care continued to take up a greater share of the economy in 2007, as spending on hospitals, doctors and other services increased 6.1 percent to $2.2 trillion. There was a silver lining in the numbers the government reported Monday ...
Read moreSee today's average credit card rates across the country. - MSNBC
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
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 - WZTV.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
The scam : As if the passing of a loved one isn't bad enough, now officials say survivors have to worry about the deceased person's estate being fleeced. Scambusters reports that in recent weeks an outbreak of credit card fraud occurred using the ...
Read moreEstates of deceased being targeted - Allentown Morning Call
Barclays has announced plans to be the first UK bank to issue contactless payment debit cards to its customers. The group said from March most Barclays debit cards that were issued or reissued would include technology enabling people to pay for items ...
Read moreBarclays' 'contactless card' plans - Channel 4 News
When it comes to New Year's resolutions, Kathy Johnson of Sacramento , Calif., has two simple money-savers in mind: "to get out of debt and pay off all my credit cards." Johnson, a single mother, said her debts have accelerated due to health issues ...
Read moreKeep financial resolutions in '09 - Hampton Roads Daily Press
The Blue Grass Airport board will cancel credit cards for the airport's top officials in light of widespread concern about excessive and inappropriate spending, including the revelation that three airport employees charged $4,500 at a Texas strip ...
Read moreAirport paid tab at Texas strip club - Lexington Herald-Leader
· At 8:50 a.m. Wednesday, credit-card fraud was reported. · At 1:42 p.m. Wednesday, hinges were reported removed from a shed on Dornoch Circle. · At 2:13 p.m. Wednesday, a loose dog on Finger Drive could not be caught. The Pyrenees mix was not ...
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