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May 10th, 2009

Who says credit card companies need regulation?

A funny thing happened last week when I opened up a credit card bill: the minimum payment due was $0.

I did a double-take. Zero? Huh?

I looked at the last payment… not in this cycle. It was as expected. This wasn’t paid off, so what gives?

At the very bottom of the bill was a little “IMPORTANT MESSAGE” that said, essentially, I had the opportunity to skip a payment. Oh, hooray! It reiterated that my minimum payment was $0. “But,” the bill said, “interest will continue to accrue.” Of course. I also had the option to make a payment like I normally would.

Skip payments. Ugh.

Posted in Consumer Commentary

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