34 ordspråk av Ed Mierzwinski

Ed Mierzwinski

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Be prepared for a long battle to clear your name

Early termination penalties prevent consumers from voting with their feet when their cell phone company treats them wrong,

The law allows credit card companies to change your rates and terms at any time, for any reason.

[Early-termination fees] give consumers no choice in the marketplace, ... They trap consumers into their plan by saying 'you can't get out of it unless you pay us $ 150 to $240 .'

A rate is something everybody pays for their service. This is a penalty that is designed to prevent you from shopping around.

Credit cards offer convenience. Credit cards offer emergency life preservers. If you start to use your credit card for daily expenses, and you start paying for pizza at 18 percent interest -- do the math.

Understand that the credit-card company is trying to trick you into running up a bigger balance or paying late. Don't fall for their tricks. Pay on time, as early as possible. And don't just make the minimum payment.

By increasing minimum payments, people will pay off credit cards, won't pay so much in interest and will have money left over to buy things.

I'm encouraged that some issuers are doing this. I think penalty fees are a disingenuous way of making money, ... I'm encouraged the marketplace is responding to pressure from lawsuits and consumer complaints.

Merger mania is making the fee-gouging big banks even bigger, ... Worse, fewer and bigger banks means consumers face fewer choices, less competition and even higher fees.

[The process of correcting errors on credit reports is] Kafkaesque and Orwellian, ... Count on it taking a long time.

They are trying to increase the use of debit cards to increase their profits,

The purpose of the report and the survey ... is to make it clear to the FCC that the cell-phone industry is not competitive, that consumers are locked in a cell and they need greater protection,

The purpose of the report and the survey ... is to make it clear to the FCC that the cell-phone industry is not competitive, that consumers are locked in a cell and they need greater protection.

They are trying to increase the use of debit cards to increase their profits.

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