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THE FAIR DEBT COLLECTION PRACTICES ACT

Here is a copy of the FDCPA, as posted on www.ftc.gov and as amended by Public Law 104-208, 110 Stat. 3009 (Sept. 30, 1996)

FAIR DEBT COLLECTION PRACTICES ACT

Credit Card Fees and Penalties FAQs

By Bankrate.com

  • My credit card interest rate was jacked up to 29.99 percent when I was late paying the bill. What is the maximum allowable APR on credit cards?

  • I usually pay on time, but occasionally I miss the due date by a day or two. Are these exorbitant $35 late fees fair practice?

  • Can a credit card company continue to charge over-the-limit fees on an outstanding balance of a closed account?

  • A company has offered to help me get a low-rate card for a high fee. Is this my only option for a low-rate card?

  • I did a balance transfer from one credit card to another. My new credit card company sent me a check to pay off my old account but started charging me interest immediately. Is it fair to pay interest for money I've not received yet?

  • I'm looking for a credit card to use on special occasions and pay off the balance monthly. What card is the best choice for avoiding hidden fees and clauses?

  • How does two-cycle credit card billing affect the cost of credit?

    • eliminate credit card debt

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