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Family Finances

Family Finances. By Alma D. Rocha. Credit Cards. Pa y new fees Pay higher rates Cancel credit cards. Capital One. (APR) O% O % UNTIL SEP 2010 VARIABLE RATE . Discover. (APR) 11.99% to 18.99% 0% on six months No specific rate . Citi Master Card. (APR ) 0% for six months

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Family Finances

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  1. Family Finances By Alma D. Rocha

  2. Credit Cards • Pay new fees • Pay higher rates • Cancel credit cards

  3. Capital One • (APR) O% • O % UNTIL SEP 2010 • VARIABLE RATE

  4. Discover • (APR) 11.99% to 18.99% • 0% on six months • No specific rate

  5. Citi Master Card • (APR ) 0% for six months • Lower 11.99% • No mention rate

  6. Bank LendersFebruary – September 2010 • Higher rates • Increase fees • Raising minimum payments • Reduce credit limit

  7. Regulations • Reduce Credit limit • Interest rate 29.99% • Credit Card - canceled

  8. Analysis • Save money to pay annual rate • Analysis interest rates • Advertising rates • Penalty fees • Late fee

  9. “Nilson Report” • The household should have three or four credit cards. • Increase credit score • Keep available 50% credit line

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