Bill Hardekopf Rates Quotations

Many families are frustrated and overwhelmed by working hard only to see their debt grow instead of their savings. This is a large group of people who are one late payment away from receiving punitive default rates of almost 30% on credit cards and other loans. If you are at the edge, default rates will be devastating. If your credit card bill comes at the end of the month when there is no money left, contact your credit card company to change your billing schedule to fit with your pay schedule.

No matter who you go with, the services are going to be about the same. It comes down to your calling patterns, what your in-state rates are and the billing increments.

The largest carriers have raised rates each and every month this year. Instead of increasing across the board they have been increasing rates for one plan one month and another the next month.

These households have probably gone through budget shock -- as their balances have risen, the interest rates have also increased every few months and the minimum payment percentage has just increased. The average APR is now above 13%, so carrying that balance is getting very expensive. The average household is paying over $700 per year in interest for credit cards.

These households have probably gone through budget shock--as their balances have risen, the interest rates have also increased every few months and the minimum payment percentage has just increased. The average APR is now above 13%, so carrying that balance is getting very expensive. The average household is paying over $700 per year in interest for credit cards.