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"From our perspective, there aren't enough changes," says Chi Chi Wu, a staff attorney with the National Consumer Law Center, a Boston-based nonprofit consumer advocacy group."The fundamental problem is that even with more disclosures, how do you explain to someone in a really short period of time that there is no interest for six months, but if they fail to pay off the whole amount, then interest will be retroactively assessed to the date of purchase?Charles Schumer, must include consistent terms and conditions -- including APRs, default rates and other information -- so consumers can compare card offers.Other specific changes in advertisements were mandated, including posters, in-store ads, solicitations, banner ads, envelopes and pop-up ads.This is due to the arrival of the Credit CARD Act, a landmark pro-consumer credit card industry reform package that also includes provisions applying to deferred-interest plans.While there was discussion about banning these plans outright, that didn't happen.
If this is the case, why do you always have to add a credit card just to set up an account?
"If you select None, you will be asked to provide a payment method when you make your first purchase," i Tunes says -- so as long as you don't want to actually buy anything, you won't have to give them your credit card details.
Traditional no-interest, no-payment plans are going the way of the cassette tape.
What the promotions do is actually waive payments of that interest rate, as long as consumers meet their obligations under the terms by paying the bill off in full by the end of the term." This change also must show up on account solicitation materials and new account disclosures.
"The Fed tweaked some of the disclosure rules," she says.