You've seen stupid dog tricks, stupid human tricks and just about every other kind of stupid trick imaginable. But have you seen stupid credit card tricks? Unfortunately, these tricks are all on you - and me. But they all have the imprint of the banks plan for your lifetime of debt. That might make the banks happy; but it can make you miserable.
Here are some new stupid credit card tricks the banks have in store for you:
1) The Royal Bank of Scotland will now be charging it's card holders a 12 pound ($24) fee if thy move without informing their provider. RBS card holders in the UK have been informed that if two consecutive statements are returned to them, they will charge a 12-pound fee to their account. Expect this one to move to the US eventually.
2) MBNA, an American bank has informed it's UK customers to expect a 10 pound ($20) fee to credit card accounts left open with a credit balance on them. MBNA says this is a one-time fee, but it's great that they feel they can charge you a fee for holding your money.
3) Pay your credit card balance in full each month. Never mind that the credit card term for is a "deadbeat." Lloyd's TSB in the UK has instituted a "low usage" fee 35 pounds ($70) for these clients although they don't indicate the criteria for determining "low usage."
4) One of my credit card issuers, (begins with an "A" and ends with an "A" and has a "dvant" in the middle somewhere, occasionally changes the due date for the payment, making it several days earlier. When your payment arrives a day late, the interest rate goes up - and they DON'T negotiate!
5) Does your credit card company change their mailing address on occasion? It may be an intentional ploy to get you to mail your payment to the wrong address. When it arrives late, guess what happens?
Even if you pay your accounts on time scrupulously, you can't avoid most of these pitfalls forever. It's the plan of your creditors to see you fail - you need a better plan.
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