Where can I find information on what the maximum credit card interest rates are by state?
831804
hello dearie, check with this resource, I got lots of useful information from them\n\nhttp://www.newhorizon.org
554135
In UK it depends on the Interest Rate in your credit card.\n\nMost of the Credit cards have high-interest rates, probably the majority.\n\nA credit card that gives rewards by points have a high-interest rate also the ones that have Mileage (that accumulates miles)\n\nBut the average charge for an overdue bill of a credit card will be 18.8% to 25%.\n\nFor example you had received your credit card bill with the amount of £1,472.80 (Thousand four hundred seventy two pounds with eighty cents) And you didn't pay on May 22, then the interest will be of 23.4%, so in your next bill it would appear £1,472.80 + (What you waste on the month with your credit card) Ex(£356.79) + the interest of 23.4% it will be (£344.64)\n\nSo your credit card will be in a total of: £2,174.23\n\nBe very careful with the credit cards, it's a bad business of the banks, so try to maintain it and do not waste too much on it.
678521
Including the usury rates of credit card companies? How do they get away with it?
456227
go to www.bankrate.com.
441473
If it was only that easy! Looking simply at the interest rate is not the only factor in making sure you get the card that is right for you.\n\nI would recommend you visit the Financial Consumer Agency of Canada's web site. It is listed below. It contains a wealth of information for consumers including a great Credit Card Interactive Tool. The tool tries to list cards which meet your specific needs. It gives a very good comparison at the end.
911473
To answer your question very specifically, go to:\n\nwww.ftc.gov\n\nYou want to click on "Consumers" then look at the credit collection practices link and the credit reporting link.  Here are the federal laws governing specifically what they can and can not do to collect a debt.
447092
BankRate.com offers advice on this very matter.  Their suggestion focuses on Secured Credit Cards, which are essentially a card that you pay a deposit on.  This deposit essentially becomes your credit limit while at the same time making the credit card much less risky for the holder (though it is still reported like a regular credit card):\nhttp://www.bankrate.com/brm/news/credit-management/secured-credit-cards.asp\nand\nhttp://www.bankrate.com/brm/news/DrDon/20060414a1.asp?prodtype=cc\n\nBefore you act, make sure you read the Federal Trade Commission's warning on some of the scams related to secured credit cards: http://www.ftc.gov/bcp/conline/pubs/credit/secured.htm\n\nThe following secured credit card seems legit: http://www.usa.visa.com/personal/cards/credit/visa_secured.html?it=c|/personal/cards/index%2Ehtml|Visa%20Secured
1130502
Check on www.bankrate.com for interest rates.  It's always good to save money!
383265
http://www.firstinterstatebank.com/
834688
www.bankofamerica.com -get guidelines from this site\nVR
635063
Go to the site below.  I used them to find my online bank, but they also have info on banks by state.
144452
http://www.bankrate.com/brm/rate/high_home.asp
150355
If you've been paying on time try to find a card with a lower interest rate and transfer your balance from the card with high interest rate.  Check out www.bankratemonitor.com for credit card interest rates.
1017288
Speaking as a 19 year old who somehow acquired $3000 worth of debt through an American Express card, I might be able to help...\n\nI say shop around for the lowest interest/APR rates. I'm not sure which Visa, AmEx, Mastercard, etc are the lowest, but just be careful with your rates. Try to stay away from credit card agreements where the company can raise your rate at any time, because that will screw you over in the long run.\n\nJust keep in mind that you SHOULD NOT GO CRAZY with a credit card. Its not free money. Think of it as a loan every time you purchase something. ...Sorry if this sounds like a lecture, but like I said before, I learned the hard way :-)
831257
I am not sure, but I can not imagine that is a law anywhere.\n\nMaybe you have misread, or misheard the rule.  Just a guess, but perhaps it is stated something like, "can not charge over 6 percentages higher than the current rates."
75920
I would of thought that this is a Federal issue since the Constitution says that controlling commerce falls under the federal goverments job, but after doing a search I found I was wrong. Each state is allowed to set a limit as to what interest rates a bank can charge. While the PDF linked below doesn't give rates by state, it gives some interesting info.
706863
Make sure to read the fine print.  Many credit card offers say things like "0% APR until January, 2008!"  But after that introductory period, the APR often skyrockets.  Look for offers that feature a locked APR, instead of a "variable" APR.