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.jpg) -- Katrina S., Houston, Tx. What the heck. Give DebtIntoWealth a try, today! Lesson 1 is FREE! Click here now: www.debtintowealth.com or send email to: savvydiscount@debtintowealth.com #1. CREDIT CARD PAYMENTS ARE GOING UP Have you budgeted for higher payments? New federal regulations require that payments on credit cards must go up. However, the rules are complicated and there seems to be no way to predict exactly how much you will pay. The cards I have seen recently have increased their payments to 1% of the principle plus the interest and any other charges like over limit charges. By the end of the year payments may be even more than they are in January 2006 as much as double the payment in December 2005.  SPECIAL CALL-IN OFFER FOR TEL3 LONG DISTANCE PLAN LIMITED OFFER: Get almost 500 free long distance phone minutes when you sign up Call Now Toll Free: 1-800-330-6897 To get free minutes use Promo Code: 728815 #2. DEFAULT INTEREST RATE OR PENALTY RATE You may be surprised at the rate and the reasons for imposing Do you know the default or penalty rate on your credit card? It is now as much as 31% for Bank America, Chase and Citibank. This high interest rate can be triggered by a variety of factors such as a late payment, an over limit charge or a deterioration in your credit score. It can even be triggered by a late payment on a different card only one day late! I made a call to a large credit card company and asked them what their default interest rate was. The assistant on the phone could not tell me. She switched me to a supervisor who could not tell me right off the bat. She contacted another person who gave her the answer. Since the default rate can be imposed for a number of reasons, credit card companies should make this information more readily available as well as the rules that will cause this interest rate to be charged. #3. OFFICES THAT HANDLE COMPLAINTS Know which office to complain to If you have a problem with a credit card company such as an unwarranted increase in your interest rate, you can file a complaint after you have tried to resolve the problem with the bank. Here are the addresses for complaining. These addresses are important as a complaint to the wrong department is a waste of your time; a complaint to the right department just might get you the results that you are looking for. For example, while complaining to your state attorney general may be a good strategy with most consumer issues, it will generally not be helpful with credit cards. THE FOLLOWING INFORMATION IS FROM THE FEDERAL RESERVE Credit cards issued by state banks that are members of the Federal Reserve System Federal Reserve Board Division of Consumer and Community Affairs Mail Stop 801 Washington, DC 20551 (202) 452-3693 Credit cards issued by banks with national in the name or N.A. after the name Comptroller of the Currency Office of the Ombudsman Customer Assistance Unit 1301 McKinney Street, Suite 3450 Houston, TX 77010 1 (800) 613-6743 (toll-free) www.occ.treas.gov Credit cards issued by state banks that are not members of the Federal Reserve System Federal Deposit Insurance Corporation Consumer Response Center 2345 Grand Boulevard, Suite 100 Kansas City, MO 64108 1 (877) 275-3342 (toll-free) www.fdic.gov Credit cards issued by federal savings and loan associations and federal savings banks Office of Thrift Supervision Consumer Programs 1700 G Street, NW Washington, DC 20552 1 (800) 842-6929 (toll-free) www.ots.treas.gov Credit cards associated with federal credit unions National Credit Union Administration Office of External Affairs 1775 Duke Street Alexandria, VA 22314-3428 (703) 518-6330 www.ncua.gov Credit cards issued by finance companies or stores, and matters related to auto dealers, mortgage companies, and credit bureaus Federal Trade Commission Consumer Response Center 6th and Pennsylvania, NW Washington, DC 20580 1 (877)-FTC-HELP (1-877-382-4357) (toll-free) www.ftc.gov #4. HOW TO FILE A COMPLAINT Understand the steps that are involved THE FOLLOWING INFORMATION IS FROM THE FEDERAL RESERVE: www.federalreserve.gov/pubs/complaints Before writing or calling the Federal Reserve, we encourage consumers to try to settle the problem with the financial institution first. This may involve directly contacting senior bank management or the bank's customer service representative for assistance. If you are still unable to resolve the problem, you may file a written complaint with the Federal Reserve including the following information: * Your name, address and daytime telephone number, including area code; * Name and address of the bank involved in your complaint or inquiry; * Your bank or credit card account number; * The name of the person you contacted at the bank, along with the date, if applicable; * Description of the complaint. State what happened, giving the dates involved and the names of those you dealt with at the bank. Include copies of any letters or other documents that may help us to investigate your complaint. Please do not send original documents, copies are preferred; and remember to sign and date your letter. It's important to give us as much information about the problem as possible; this will assist us in providing a quicker response to you. Where to Send Complaints Send your complaint to: Board of Governors of the Federal Reserve System Division of Consumer and Community Affairs 20th and C Streets, N.W., Stop 801 Washington, DC 20551 For further information you may call us at (202) 452-3693 INTERNATIONAL LONG DISTANCE Any phone, anytime, USA, same flat rates, no fees! Complete record of all calls no matter where you call Call from a cell phone for much lower global rates Use this service to call in the USA also for 1.9 cents a minute
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