with every cardholder agreement. According to Harvard Law Professor Elizabeth Warren, the credit card companies are misleading consumers and making up their own rules. "These guys have figured out the best way to compete is to put a smiley face in your commercials, a low introductory rate, and hire a team of MBAs to lay traps in the fine print." The problem is that the industry is operating without fear of penalty. There's no regulator or customer who can bring this industry to task. Deadbeat or Revolver In the credit card industry there are two types of customers - the deadbeat and the revolver. Don't take this the wrong way but hopefully you're a deadbeat because in the lingo of the industry a deadbeat is someone who uses their credit cards the way they are suppose to. As in they pay-off their balances each month and therefore incur no interest charges. No profit in that scenario and thus, if you pay-off your balances each month (about one-third of Americans do) then you should be proud to be called a deadbeat because you are using your credit cards wisely. On the other hand, the majority of Americans are called "revolvers". A revolver is someone who carries over a balance and is considered to be "the sweet spot" of the banking industry. This "sweet spot" continues to expand as the average credit card debt among American households has grown to about $8,000 -- which is more than double what it was just ten years ago. This debt has helped generate record profits for the credit card industry in 2004, an estimated $30 billion before taxes. The 0% Interest Offer The game today is the "0% interest for 6 months" offer. Once again, this can be a legitimate and great deal if you know how to play the game ("deadbeat") but if you don't ("revolver") it will end up costing you more money in the long run because after the initial 6 months the rate will usually jump up to a much higher rate than the normal purchase rate. Rate Hike Triggers The industry provides many reasons to justify rate hikes and in all fairness, some are actually valid. However, many are not and are just flat-out deceptive. One Banking Association spokesman said that, "Because the credit card business is unsecured lending, the risks associated with the business must be offset." Industry critics say that an ever growing share of the industry's revenues come from deceptive tactics. One example is how the "default" terms are spelled out in the fine print of the cardholder agreements. The terms and conditions
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Adriano Fischer Hair Color, Body Shape, Family Members, Father, Mother, Brother, Sister, Marriage and Affairs
Adriano Fischer Hair Color, Body Shape, Family Members, Father, Mother, Brother, Sister, Marriage and Affairs
Adriano Fischer Hair Color, Body Shape, Family Members, Father, Mother, Brother, Sister, Marriage and Affairs
Adriano Fischer Hair Color, Body Shape, Family Members, Father, Mother, Brother, Sister, Marriage and Affairs
Adriano Fischer Hair Color, Body Shape, Family Members, Father, Mother, Brother, Sister, Marriage and Affairs
Adriano Fischer Hair Color, Body Shape, Family Members, Father, Mother, Brother, Sister, Marriage and Affairs
Adriano Fischer Hair Color, Body Shape, Family Members, Father, Mother, Brother, Sister, Marriage and Affairs.
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