Interpreting Tarot -- Reading the Book of Life
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A Spiritual Approach to Astrology
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Myrna Lofthus

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	How to Save on Credit Card Fees Part 1 by Rocky Ramsey
Astrology, Tarot, and Self Improvement for the New Age.

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How to Save on Credit Card Fees
Part 1
by Rocky Ramsey

Page: 1 2

Last year my credit card company sent me a letter telling me that if my credit card payment was even 1 day late, they would charge me a late fee of $29. This year they sent me a letter telling me that if my credit card was even 1 day late, they would raise my rate from my current low rate to 24.99%.

Next year I expect them to send me a note indicating they're going to send Knuckles, their credit card enforcer, over to break my kneecaps if my payment is late. One kneecap if it's more than a day but less than a week. Two kneecaps if it's more than a week.

Before you can save on credit card fees you have to know what they are and where they come from. You've probably received pre-approved credit card offers in the mail for 0% introductory APR, Low Rates, High Credit Limit, etc. In order to get the perks, you have to keep your account in good standing and pay your bill on time. That sounds reasonable.

Here's the unreasonable part: if your bill is late, you go over your credit limit, or you're late on any bill, even those that have nothing to do with your credit card, your "default rate" will go through the roof, as much as 40% in some cases.

This means that if you're late paying your utility bill, your credit card interest rate will be increased. If the bank doesn't post a loan payment on time, you will pay more interest on your credit card.

I found out another interesting fact by accident. I mailed a credit card payment about the same time as I always did. When I got the next credit card statement, I was charged a $29 late fee. Since I had sent the payment on time, I called the credit card company and told them that I had sent the payment before the due date and they could tell that by the postmark.

I was told they didn't use the postmark as proof of payment anymore. The payment had to physically be in their office before it could be posted. That wasn't good news.

For one thing if the postmark isn't proof of a payment date, I'm not saying that they would do this, but it sure opens the door for abuse. Short of sending a payment with a return receipt requested, there would be no way I could prove when they received the payment.

Think about it. If the credit card company charges only 100 people the $29 late fee, that's $2,900 dollars in a month. Add to it the new higher interest rate as a bonus every month, and you're talking about a big boost to the company's bottom line. If these fees are incorporated into the financial structure of the company, this is only more bad news for consumers.

Rocky Ramsey publishes Movies, Money and More - Movie reviews, entertainment, humor, money, contests, sweepstakes, freebies, and more.

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Are you looking for more information on Money, Financial Management, Possessions, and Physical Pleasures?

Taurus is the astrology sign that deals specifically with Money, Financial Management, Possessions, and Physical Pleasures. Learn more about Taurus.
The information here tells all about Taurus Astrology.

Taurus Horoscope

The surest way to make a monkey of a man is to quote him.
~ Robert Benchley ~
Born September 15, 1889

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Last updated August 17th, 2004

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Virtues of Soy: A Practical Health Guide and Cookbook
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Monique N. Gilbert

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