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One card, with First Premier Bank, even had interest rates go as high as 80%. The question was this (verbatim): "Hi James, Please please help me. Answer: DON'T PAY YOUR CREDIT CARD DEBT if it is hurting the rest of your life. Then the courts just give the credit card companies your money. North Carolina and West Virginia, for whatever reason, are the worst states if you are a buyer of batches of bad credit card debt. But they might only pay 2 cents on the dollar for those. Credit card debt is NOT the same as friendship debt. A bank is usually a trillion dollar institution that charges you fees, interest payments, has lots of fine print, and makes you sign lots of contracts. The bank says, "we will lend you up to $X, and you will pay us back all the money plus interest, plus penalties. A) If you default on even one of your credit cards, the interest rates on other cards you own might go up. B) You usually get low rates for the first six months, and then much higher rates, and if you miss a payment, your interest rates might be as high as 20% or more. This post is in response to a question I got a few weeks ago. I'm really depressed and I think my wife is going to leave me and I have to put food on the table for three kids. If you borrowed $1000 on your credit card, the bank will sell it to a hedge fund for $30. So now the hedge funds have made 100% on their investment. They look at the ages of the borrowers (younger age means they will pay less money), they look at the age of the debt (older means they will pay less money for the debt), and yes they look at race and gender and what state you live in.
It cost me $2000 last time (in 1999 - those library fines were haunting my rating). couldn't pay him back "yet." This call happened at least once a week. My mom would scream at my dad, "I told you not to give him money! The investors in the hedge fund make money but mostly the hedge fund manager gets enormous fees off of the money they collect. But you don't deserve to struggle with your mortgage either. In the confusion of houses and misery and despair and kids were scared and "nothing will ever be the same", we were a few days late on two mortgage payments in a row. Again, I know this because I know the hedge funds that are the ultimate beneficiaries (not the banks, or the credit card companies). I was a little kid but I felt scared and didn't know why. My dad was too trusting and too sad and died from the cocktail of both.
All of this is to say: your character creates your future.
Each credit card issuer is different when it comes to when these fees become payable and what date you need to cancel by to avoid the annual fee for the next year.
Before calling you should do the following: Below is a list of rules for each card issuer.
For example if your annual posts on January 1st and you product change on January 2nd you’ll receive a prorated annual fee refund for 11 months instead of 11 months and X days.
Keep in mind that you’ll need to have at least one card open that earns Membership Rewards points open, otherwise you will lose any Membership Rewards points you have when you cancel.
Now collection agencies start calling you day and night. Or if you answer the phone, record the conversation.