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February 28th, 2008 — Financial Education, Lending Club, decline, default, discontinue, drop, instances, issuers, practice, universal from Mike Smith @ Better Rates. Together.
I’ve written about universal default in multiple posts over the past few months. Here’s an overview post. Even as some credit card issuers are discontinuing use of the technique, they continue to employ another practice that has the same effect.
For those who haven’t read the prior posts, universal default is the practice of credit card [...]
Continue reading → Universal Default by Any Other Name Still Stinks
September 28th, 2007 — Financial Education, Lending Club, clauses, default, exploiting, jumped, lawmakers, mouse, recounting, universal from Mike Smith @ Better Rates. Together.
As I was browsing through loan requests on the Lending Club site, I saw one user recounting how his credit card rate jumped from 13% to 25% without warning. Such jumps are quite common. While the cause of the jump in this situation was likely the end of a teaser rate (a low rate when [...]
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