California Credit Card Changes

FED credit card reporting changes commenceThe Federal Reserve Board new credit card reporting changes kick in today, changes approved all the way back in 2008. Your billing statements that you receive the mail must now contain new information presented in neatly summarized tables so that you can determine the real cost of your credit card purchases.

This is a real boon to consumers trying to figure out what credit cards are really charging them.

As usual your monthly statement will have a list of your monthly transactions and an account summary section. There will also be the payments summary section listing the minimum payment due along with its due date. A section on minimum payments will also show how long it will take to pay off the credit card balance if only the minimum payments are made.

Late payment warnings must CLEARLY explain the late fees and interest rates used on late payments. The payment cutoff time is legally set at 5 pm Eastern time on the due date, or the next business day in case of holidays.

A section of your bill will also show changes to your card’s interest rates, and any changes to fee increases. Fees and interest charges on your payments will be broken down and itemized separately on your new bills.

All in all this is a boon to the California and national consumer of credit card services. Your bill should be more clear, charges more transparent, and it should be easier to manage your personal finances and use your credit card wisely. By paying on time you can avoid late fees, by staying below your reported credit limit you can avoid over limit fees, and by reading change in terms notices you can decide how to use your card and pay off your balances in the best fashion possible.

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