Linda Sherry
Linda Sherry
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Marketing gimmicks are pretty popular right now. Issuers have to try to separate themselves from the pack.
gimmicks marketing popular separate themselves
Marketing gimmicks are pretty popular right now, ... Issuers have to try to separate themselves from the pack.
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The crime is definitely on the increase and it shows no sign of stopping. It's a frightening thing.
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The factors cited by card issuers are very broad. It appears that anyone - not just people in financial difficulties - could be subjected to a much higher rate for very insignificant reasons.
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Using 10-10s to call internationally can be a bargain if you are careful about monthly fees, ... Many of the pre-subscribed international calling plans offered to residential customers by primary carriers have somewhat higher rates and charge a monthly fee.
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We feel the penalty rates are assessed too fast, often after just one late payment. It's not just people in financial difficulty. Anybody can be caught in this web, say by going on vacation and missing a payment.
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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,
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Basically, credit card companies can write their own rules.
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We've found that many people neglect to renew their anti-virus when an upgrade comes around, because they think they can do without it. This education effort is aimed at showing them the little steps they can take to protect themselves.
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I advocate staying with a company you like and trying to get them to be nicer to you.
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You may have to contact the issuer two or three times, but keep plugging away until your credit report shows that the card has been closed.
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We see a shift in the industry toward cards that give something back, because industry research shows that reward cardholders make more purchases, tend to use their rewards cards exclusively and are less likely to jump ship for lower-rate cards.
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Even if you lose, the message will start to be heard.
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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.