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Old 05-28-2007, 06:32 AM
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WOW! What these credit card companies get away with is amazing! "70 percent of the credit card industry's revenue comes from interest and penalty rates." I think we need a major overhaul to protect consumers. Have you ever heard of a "double-cycle billing?" I bet if anyone else tried to do that they would be sued and lose!

Credit card companies: As rough as ever - Consumer Action found that almost half of the banks surveyed practiced what the group characterizes as "deceptive" methods of calculating interest. One is known as double-cycle billing - say you charge $1,000 one month, and pay off $900 on time, a bank may charge you interest on the full $1,000 in the next month and beyond until the remaining $100 is paid off.

A report from the Government Accountability Office estimated that about 70 percent of the credit card industry's revenue comes from interest and penalty rates.
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Old 06-28-2007, 05:06 PM
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That is what is going on with me right now on one particular card since September of last year. I am trying to get it paid off, so I keep on paying on the card, and not charging anything to it. Well, I think they know what I am doing because my interest rate has increased, and not my minimum payment has increased as well. It's funny that I got from having a $155 minimum payment at $5,000, to a $180 minimum payment at $3,900
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