Kevin Earl Dayhoff Art One-half Banana Stems

Kevin Earl Dayhoff Art One-half Banana Stems - www.kevindayhoff.com Address: PO Box 124, Westminster MD 21158 410-259-6403 kevindayhoff@gmail.com Runner, writer, artist, fire & police chaplain Mindless ramblings of a runner, journalist & artist: Travel, art, artists, authors, books, newspapers, media, writers and writing, journalists and journalism, reporters and reporting, technology, music, culture, opera... National & International politics www.kevindayhoff.net For community: www.kevindayhoff.org For art, technology, writing, & travel: www.kevindayhoff.com

Showing posts with label Bus Econ Credit Cards. Show all posts
Showing posts with label Bus Econ Credit Cards. Show all posts

Tuesday, February 10, 2015

Beware of currency conversion fees By Claes Bell, CFA • Bankrate.com

Beware of currency conversion fees By Claes Bell, CFA • Bankrate.com


[…]

Rick Steves’ Europe: Card Fees (and How to Avoid Them) http://kevindayhoff.blogspot.com/2015/02/rick-steves-europe-card-fees-and-how-to.html

By Rick Steves https://www.ricksteves.com/travel-tips/money/card-fees Retrieved February 6, 2015 https://www.ricksteves.com/Capital One has a particularly good reputation for no-fee international transactions on both its credit cards and its debit cards linked to a checking account. Most credit unions have low-to-no international transaction fees. Bankrate has a good comparison chart of major credit cards and their currency-conversion fees….


Beware of currency conversion fees By Claes Bell, CFA • Bankrate.com


Credit Cards » Beware Of Currency Conversion Fees

If you do a lot of international traveling, you've probably been stung by an unpleasant surprise lurking at the bottom of your bank statement or credit card bill: a currency conversion fee. While the CARD Act has done plenty to reduce sometimes exorbitant credit card fees, it left currency conversion fees untouched, ensuring travelers will have at least one unpleasant vacation memory.


Consult this chart to see the fees charged by the largest U.S. credit card issuers. http://www.bankrate.com/finance/credit-cards/beware-of-currency-conversion-fees.aspx

Capital One

ATM withdrawal: None for online accounts, $1.50 for some accounts opened in bank branches

Credit card purchase: None

Debit card purchase: None

Credit card cash advance: None


Fees charged even if transaction is in U.S. dollars?: No
*****
++++++++++++


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Thursday, December 25, 2008

Frederick News Post Editorial New Credit Card Rules

Frederick News Post Editorial New Credit Card Rules

Originally published in the Frederick News–Post December 23, 2008

Federal officials have moved to protect credit card holders from several common practices employed by companies that issue cards. This has been a long time coming and, unfortunately, won't take effect until July 2010. Some also argue that the new rules don't go far enough in protecting cardholders from unfair and costly practices.

Still, the new rules are a big improvement. Perhaps the most important reform involves interest rates. When the new rules become active, card-issuing companies will no longer be allowed to apply interest rate hikes to existing balances. (There will be some exceptions, such as payments that are more than 30 days late.)

Read the entire editorial here: New credit card rules

http://www.fredericknewspost.com/sections/opinion/display_editorial.htm?StoryID=84310

20081223 Frederick News Post Editorial New Credit Card Rules

Monday, December 15, 2008

Washington Post: Fed Could Remake Credit Card Regulations


Washington Post: Fed Could Remake Credit Card Regulations


What in the world took the Fed so long to stop the predacious practices of credit card issuers?

New Rules Would Ban Retroactive Rate Hikes

By Nancy Trejos Washington Post Staff Writer Sunday, December 14, 2008; F01

The Federal Reserve on Thursday will vote on sweeping reform of the credit card industry that would ban practices such as retroactively increasing interest rates at will and charging late fees when consumers are not given a reasonable amount of time to make payments.

The Fed, which has been considering the proposed changes since May, declined this week to release details of the final draft regulations. But banking officials and consumer advocates said that they do not expect substantial changes before the vote, especially since members of Congress have pressured the Fed not to water down the rules.

However, industry officials and consumer advocates said, the Fed will likely postpone a decision on a proposal to prohibit banks from charging fees for overdraft protection unless they have given customers the chance to opt out. Both the banking industry and consumer advocates considered the overdraft proposal flawed.

If the new credit card regulations are approved largely as proposed, they would represent the most significant overhaul of the industry in decades, banking officials and consumer advocates said. The Fed has not yet indicated a timeline for implementation.

[…]

Read the entire article here: Fed Could Remake Credit Card Regulations

http://www.washingtonpost.com/wp-dyn/content/article/2008/12/13/AR2008121300906.html?nav=igoogle

20081214 WaPo
Fed Could Remake Credit Card Regulations By Nancy Trejos