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Shell Game

The Credit Card Act of 2009 goes into effect in February, 2010. The banks are scrambling to replace lost funding, and are likely to stealthily introduce new fees. It might be a good time to make sure I know what my credit card account agreement actually says. I think that if you call to activate a new card, you are automatically accepting any revisions to your policy they may have instituted, even if you have not seen a paper copy of such revisions. Not sure. Anybody know?

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( 2 comments — Leave a comment )
neptunia67
Jan. 3rd, 2010 04:05 am (UTC)
With my cards, and the notices Paul has gotten for his, the revisions go into effect automatically unless you call the CC company to opt out. Opting out means you are closing your account. So, your choice is, accept the changes or close the account.
inibo
Jan. 3rd, 2010 05:23 am (UTC)
Unless you just absolutely can't live without it you should just not have a credit card. I haven't had one for almost 15 years. I don't miss it.
( 2 comments — Leave a comment )

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