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Sunday, December 14, 2008

Posted 12/14/2008 03:30:00 PM by Douglas

With any luck, it may be harder after this Thursday for your credit card to screw you.
The Federal Reserve is to vote on credit card reforms that may bring some relief to customers who face a variety of ways for being hit with late fees, universal defaults, shorter payment periods and confusing payment allocations for different balances.

They are expected to prohibit credit card companies from increasing rates at will, with some exceptions such as those that apply to people who fail to pay a bill within 30 days.

So-called universal default, which permits changing card terms if the borrower defaults on another bill such as utilities or a gym membership, also is expected to be banned.

Double-cycle billing, in which card companies reach back to earlier billing cycles to help calculate interest charged in the current cycle, also is expected to be eliminated.
It's gonna be a rough day for the banks with the cash cow they have in credit cards is taken away from them.


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