I*******t
发帖数: 1838 | 1 amex一张卡，忘付了3天，刚发现被收了25刀late fee，准备打电话要回。 | A**********0
发帖数: 6942 | 2 这么重大的利好？
从什么时候开始不收late fee的？？
【在 I*******t 的大作中提到】
: amex一张卡，忘付了3天，刚发现被收了25刀late fee，准备打电话要回。
| I*******t
发帖数: 1838 | 3 这是什么利好，不是O8政府去年通过的法案嘛如果我没记错的话，利息是可以收的。
【在 A**********0 的大作中提到】
: 这么重大的利好？
: 从什么时候开始不收late fee的？？
| k***a
发帖数: 1104 | 4 你当然记错了， 法律只是说， REASONABLE LATE FEE, 没有说不许收。
【在 I*******t 的大作中提到】
: 这是什么利好，不是O8政府去年通过的法案嘛如果我没记错的话，利息是可以收的。
| s**********g
发帖数: 14942 | 5 没这个说法。。
只知道overlimit fee是很早就不许收了。。
【在 I*******t 的大作中提到】
: 这是什么利好，不是O8政府去年通过的法案嘛如果我没记错的话，利息是可以收的。
| I*******t
发帖数: 1838 | 6 哦，那查查先吧。
根据以往几次的经验，现在迟付只看到收利息，不像以前起码收2次费。
【在 s**********g 的大作中提到】
: 没这个说法。。
: 只知道overlimit fee是很早就不许收了。。
| t***s
发帖数: 4666 | 7 是说不准一次迟付就把利率jump up吧。
【在 I*******t 的大作中提到】
: amex一张卡，忘付了3天，刚发现被收了25刀late fee，准备打电话要回。
| g*****s
发帖数: 1288 | 8 怕的就是这种半瓢子水
这是什么利好，不是O8政府去年通过的法案嘛如果我没记错的话，利息是可以收的。
【在 I*******t 的大作中提到】
: 这是什么利好，不是O8政府去年通过的法案嘛如果我没记错的话，利息是可以收的。
| I*******t
发帖数: 1838 | 9 靠，nm不半瓢水来这个版混什么，装什么装。
你这不半瓢水的倒是有理有据的说个详细。
【在 g*****s 的大作中提到】
: 怕的就是这种半瓢子水
:
: 这是什么利好，不是O8政府去年通过的法案嘛如果我没记错的话，利息是可以收的。
| I*******t
发帖数: 1838 | 10 What the new credit card law means for you
By Connie Prater
Credit card users can expect the most dramatic changes in credit terms,
interest rates and fees in decades now that a new federal credit card law
has gone into effect.
The new normal for credit cards is more transparency and easier-to-
understand terms, but at a higher upfront cost. Credit card issuers and
credit industry analysts say the credit card reform law could make credit
cards more costly for all users and unaccessible for many low-income
families and people with bad credit. The law likely means the return of
routine annual fees, fewer rewards cards and the possibility that credit
card bills could be payable immediately rather than after a monthlong grace
period.
The new normal
President Obama signed the Credit CARD Act of 2009 into law May 22, 2009,
following passage days earlier in the Senate and the House. (Read the act.)
What does the credit card law mean for cardholders? Millions of credit card
users will avoid retroactive interest rate increases on existing card
balances and have more time to pay their monthly bills, greater advance
notice of changes in credit card terms and the right to opt out of
significant changes in terms on their accounts. That will take the surprise
out of "gotcha" fine print and give consumers time to shop around for better
deals if they don't like the new terms. The new requirements were phased in
over a 15-month period. The first batch of new credit card protections took
effect Aug. 20, 2009, and the majority of provisions started on Feb. 22,
2010, while the final batch began Aug. 22, 2010.
The Federal Reserve issued rules and detailed guidelines for implementing
each phase of the new credit card law. The law has fundamentally changed the
way credit card issuers market, bill and advertise credit cards.
Here are the highlights of the credit card law:
Limited interest rate hikes: Interest rate hikes on existing balances are
allowed only under limited conditions, such as when a promotional rate ends,
there is a variable rate or if the cardholder makes a late payment.
Interest rates on new transactions can increase only after the first year.
Significant changes in terms on accounts cannot occur without 45 days'
advance notice of the change.
Limited universal default: "Universal default," the practice of raising
interest rates on customers based on their payment records with other
unrelated credit issuers (such as utility companies and other creditors),
has ended for existing credit card balances. Card issuers are still allowed
to use universal default on future credit card balances if they give at
least 45 days' advance notice of the change.
The right to opt out: Consumers now have the right to opt out of -- or
reject -- certain significant changes in terms on their accounts. Opting out
means cardholders agree to close their accounts and pay off the balance
under the old terms. They have at least five years to pay the balance.
Limited credit to young adults: Credit card issuers are banned from issuing
credit cards to anyone under 21, unless they have adult co-signers on the
accounts or can show proof they have enough income to repay the card debt.
Credit card companies must stay at least 1,000 feet from college campuses if
they are offering free pizza or other gifts to entice students to apply for
credit cards.
More time to pay monthly bills: Under the credit card law, issuers have to
give card account holders "a reasonable amount of time" to make payments on
monthly bills. That means payments are due at least 21 days after they are
mailed or delivered. Consumers have complained about due dates that change
without notice or are moved up, giving them less time to pay their bills and
increasing the likelihood of late fees.
Clearer due dates and times: Credit card issuers are no longer able to set
early morning or other arbitrary deadlines for payments. Cut off times set
before 5 p.m. on the payment due dates are illegal under the new credit card
law. Payments due at those times or on weekends, holidays or when the card
issuer is closed for business are not subject to late fees.
Highest interest balances paid first: When consumers have accounts that
carry different interest rates for different types of purchases (i.e., cash
advances, regular purchases, balance transfers or ATM withdrawals), payments
in excess of the minimum amount due must go to balances with higher
interest rates first. Common practice in the industry had been to apply all
amounts over the minimum monthly payments to the lowest-interest balances
first -- thus extending the time it takes to pay off higher-interest rate
balances.
Limits on over-limit fees: Consumers must "opt in" to over-limit fees. Those
who opt out would have their transactions rejected if they exceed their
credit limits, thus avoiding over-limit fees. Fees cannot exceed the amount
of overspeding. For example, going $20 over the limit cannot have a fee of
more than $20.
No more double-cycle billing: Finance charges on outstanding credit card
balances must now be computed based on purchases made in the current cycle
rather than going back to the previous billing cycle to calculate interest
charges. So-called two-cycle or double-cycle billing hurts consumers who pay
off their balances, because they are hit with finance charges from the
previous cycle even though they have paid the bill in full.
Subprime credit cards for people with bad credit: People who get subprime
credit cards and are charged account-opening fees that eat up their
available balances get some relief under the new credit card law. These
upfront fees cannot exceed 25 percent of the available credit limit in the
first year of the card. Instead of charging high upfront fees, some issuers
are considering high interest rates on these high credit risk accounts.
Minimum payments: Credit card issuers must disclose to cardholders the
consequences of making only minimum payments each month, namely how long it
would take to pay off the entire balance if users only made the minimum
monthly payment. Issuers must also provide information on how much users
must pay each month if they want to pay off their balances in 36 months,
including the amount of interest.
Late fee restrictions: Late fees are capped at $25 for occassional late
payments; however, the fees can be higher if cardholders are late more than
once in a six-month period.
Gift cards: Gift cards cannot expire sooner than five years after they are
issued. Dormancy fees can only be charged if the card is unused for 12
months or more. Issuers can charge only one fee per month, but there is no
limit on the amount of the fee.
Law doesn't cover everything
Consumers should take note: Although the reforms are the most dramatic
changes in credit card laws in decades, they do not protect card users from
everything. Issuers can still raise interest rates on future card purchases
and there is no cap on how high interest rates can go. Business and
corporate credit cards also are not covered by the protections in the CARD
Act. If credit card accounts are based on variable APRs (as the majority now
are), interest rates can increase as the prime rate goes up. Credit card
companies can also continue to close accounts and slash credit limits
abruptly, without giving cardholders advance warning. Many banks are already
finding ways around the law and launching new fees not specifically banned
by the credit card reform law.
See related: Final Credit CARD Act changes take effect Aug. 22, 2010, Credit
card reform and you, Obama signs new credit card bill into law, Interactive
time line: The road to credit card reform and future effective dates of the
law, Annual fees return in credit card mail offers, Regulators issue
sweeping new credit card rules, What the new credit card rules don't cover,
Interactive look at what new monthly credit card statements would disclose,
Regulators will vote on new credit card rules, House passes Credit
Cardholders' Bill of Rights, Fed backs rules to curb deceptive credit card
practices, Fed moves to close timing loophole in credit card payments, New
credit card rules don't cover business, corporate credit cards, Feds: Close
rate-hike loophole in new credit card rules, Have you been 'rate-jacked'?
Fed caps credit card late fees at $25. | I*******t
发帖数: 1838 | 11 nm你看清楚了，题目用的是问号，SB！
【在 g*****s 的大作中提到】
: 怕的就是这种半瓢子水
:
: 这是什么利好，不是O8政府去年通过的法案嘛如果我没记错的话，利息是可以收的。
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