Consumer Reports names the 'Worst Credit Card'

That's why the White House needs to get 100% behind Elizabeth Warren in implementing and running the Consumer Protection Agency. Glad to have seen Obama get her in the back door. The Republicans would have blocked her nomination for sure.

And the APR ranges from 23.9% to 59.9% on purchases and cash advances, again, depending on when you visit the site. (To be fair, as ridiculous as a 59.9% APR is, it's better than the 79.9% that First Premier offered last year.)I am female, 20,a young and big beautiful woman in US,i just wonder if i can meet a man who can love me here,because i am single at present and i need someone¡¯s support..i uploaded my hot photos on kissbbw.com under the name nancy099,maybe you want to check out my photos first!

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I went from working a full-time job, I HATED, to owning my own internet based home business, and making serious money. I kept looking for a way out until a friend of mine told me that he found a way a to make a great living from home . He told me that he found out about it at this website ( HttP://bit.LY/HomeBizSuccess ). That program didn't cost much and it quickly taught me the skills I needed to be successful. I started out part time but in a few months I was able to quit my job. Not only am I making serious money now but I get to spend more time with my family.

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It does not really surprise me to see that most people are opting to avoid debt. Why do banks insist on being difficult, they take all our money, turn around and put it into investments that go bad. Then they try to take more of our money so that they can fix their mistakes. It is all malarky. Http://www.savecreatively.com has some great info and tips on how to save money wisely. These days we need all the help we can get to avoid getting snickered by a bank. That is also why I like save creatively's free samples to.

You are right. This isn't a credit card; this a government-approved license for usury. This is not as bad as payday loan companies which, for some reason, are allowed annual interest rates as high as 400%. As far as real credit cards go, my vote goes to Citibank and Chase. Citibank drops you for inactivity which affects your credit rating; then they send you an invitation to sign up again which, if you are foolish enough to do so, dings your credit rating again. And Chase? They deceived thousands of customers (I wasn't one) to transfer their balances to their Chase account with a low interest rate for as long as it took to pay off. Then they were allowed to raise the minimum monthly payment to 2.5 times the original minimum, and that low interest rate became a moot point because, heck, they could legally do anything they wanted. (They gave you the option of leaving things unchanged and allowing you to pay off your debt under the initial contract but you would not be able to use your card and your account would be closed once the balance was paid off, dinging your credit rating, of course. How generous.)

@Lita-you are absolutely right about Chase. My payment went from $150 a month to $260 a month and they lowered my credit limit to $10,000 so my debt to income ratio went up and lowered my credit score. Soon I will be in credit counseling because my child support will run out next month and I won't be able to make that minimum payment. I have helped them all these years by carrying a balance and putting money in their pockets, just to feed my kid, and now my life will be ruined because they are crooks! Thanks a lot Chase!

Actually, that's really bad for your credit, it just lowers your credit to debt ratio. You keep it open, use it enough for them not to close it and pay it off every month before it's due so they can't charge you interest. I think you have to use it every six months or so or they'll close it. I buy something stupid, like one stop at the gas pump and then pay it off right away. Helps keep building your credit, but they're not making anything off of you. It's time we started screwing them, not the other way around!!

I was advised when I pay off my credit cards to put them in a drawer and don't use them again. If you close the account it affects your credit rating. Keeping the cards open shows that you have a good credit history. I would only close cards that have annual fees or charges for keeping the accounts open. I belong to a federal credit union so I don't have to worry about fees for cards.