Some how the consumers going to get screwed. Most of the CCs are 5-7% over prime, isn't prime now 1/2%? So we should have 5-8% interest rate on the card, bet this will get changed. CCs are the most crooked scheme going and the states they're located in have written their own laws to get around usury laws.
� * Ban on raising the interest rate on existing balances unless the customer was 30 days or more late in paying the minimum. Avoid paying the minimum late and you won't see your interest rates jacked up to 25 or 30 percent. Right now credit card companies have been increasing rates on people just a few days late or on people who made a late payment on another card. Banks can still increase rates if the card has a variable rate or a promotional rate set to expire.
Change the way credit card companies apply your payment. Right now most credit card companies apply the payment to the balance with the lowest interest rate. Thereby allowing balances with higher rates to build up interest charges. With the new rules banks would be prohibited from applying the entire payment to the balance with the lowest rate
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Today's Featured Article - A Towny Goes Plowing - by Anthony West (UK). I live in an area renowned for its rural beauty. Small fields with hedgerows and trees are common place, as are small hamlets with village greens and the odd duck pond complete with swans. The center of any village once the shop is closed is the old tavern. Rustic places with cheerful names like "The Griffin" "Red Lion" or "The Plough and Harrow" are found dotted around the country lanes all over the place. The warm glow of yellowish light can be seen for quite some distance at dusk, and
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