Bill Hardekopf
Bill Hardekopf
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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.
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This is definitely not good for competition. A number of consumer groups including Consumer's Union and the Consumer Federation of America plan to ask the Justice Department to reject the merger and we tend to agree with them. We are watching AT&T be reconstructed again right in front of our eyes. If the FCC is going to allow this to happen you have to ask why they broke them up in the first place.
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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.
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Come the end of the month you might see some nice incentives for carriers who want current customers to extend their contracts.
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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.
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In 95 percent of the country, it probably works great, and if you use your minutes correctly it's a great deal.
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Some people still don't realize how much and how easily they can save on their long-distance bills.
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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.
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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.
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It used to be 25 days. A number of them have gone to 20 days.
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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.
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Voice Over Internet Protocol has become a media and technology favorite, portrayed as the service that sends local and long distance carriers into extinction.
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We don't think this is a good thing for consumers. The telecom industry has exploded, in terms of growth and options, and now AT&T will be even bigger and more powerful than it was.
change market quite
We think the market will change quite a bit.