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Credit Card Interest Increases-Should You Opt out? New York

Credit card companies in New York will most probably make as many changes they can before August 2010 when the new rules for interest hikes step into effect. Be sure to carefully read every document that you receive from your credit card company to avoid being caught unaware of changes to your terms.

Local Companies

Anthony B. Smolen, Jr., CPA
(716) 834-6111
3949 Forest Park Way 100
N. Tonawanda, NY
Bank of America - Niagara Falls Boulevard Office
(716) 833-3330
1188 Niagara Falls Blvd.
Tonawanda, NY
Bank of America - Payne Avenue Office
(716) 694-2551
1012 Payne Ave.
North Tonawanda, NY
Bank of America - South Side Office
(716) 822-4601
2221 Seneca St.
Buffalo, NY
Bank of Holland
(716) 537-2264
12 South Main St.
Holland, NY
Citizens Bank - Mid City Plaza/Tops
(716) 692-4397
301 Meadow Dr.
North Tonawanda, NY
Citizens Bank - Niagara St./Tops
(716) 693-2658
150 Niagara St.
Tonawanda, NY
Citizens Bank - South Park-Buffalo/Tops
(716) 826-0500
1989 South Park Ave.
Buffalo, NY
Citizens Bank - Tonawanda
(716) 693-2440
20 Main St.
Tonawanda, NY
Citizens Bank - Young St.-Tonawanda/Tops
(716) 693-7285
890 Young. St.
Tonawanda, NY
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Over the past year, credit card companies have aggressively hiked interest rates and raised penalty fees in an effort to cope with the economic crisis and record defaults by cardholders. Many consumers have seen interest rates more than double on their credit cards, a trend that is likely to accelerate with stricter rules for retroactive interest rate increases looming on the horizon.

Credit card companies will most probably make as many changes they can before August 2010 when the new rules for interest hikes step into effect. So going forward, be sure to carefully read every document that you receive from your credit card company to avoid being caught unaware of changes to your terms.

If your credit card APR does get increased or other terms are changed in ways you don’t like, you do have the option to opt out of the changes within a specified time period. Unfortunately, opting out can be a losing proposition for cardholders. Typically, when you opt out, you will be able to pay off any outstanding credit card balance under the existing terms, but your credit card will be closed and you will no longer be able to use it for new charges.

When a credit card account gets closed, it could hurt your credit score by changing the debt-to-credit limit ratio on your credit report. With a lower credit limit, it may appear that you’re using up more of your available credit, and that lowers the credit score. ...

Click here to read the full credit card article from CreditCard Guide.

Featured Local Company

Anthony B. Smolen, Jr., CPA

(716) 834-6111
3949 Forest Park Way 100
N. Tonawanda, NY
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Regional Articles
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