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Credit Cards Go Social [Infographic]
Posted on July 26th 2012
There is obviously a thrill behind someone giving you a card with “free money” on it to buy whatever your heart desires. However, as appealing as having money on a card to spend on your needs and wants is, there are consequences. That money has to be paid back and with interest. Being young and naive is just what credit card companies are looking for in consumers.
However, the CARD act (the credit card accountability, responsibility and disclosure act) was passed to protect young people from unfair marketing by credit card companies. By eliminating aggressive tactics to sign up consumers, the CARD act has helped many young students stay away from credit debt, to a certain extent. Credit card companies are trying to bypass the act that negates the use of setting up at college campuses and giving away free gifts by advertising through social media. Special offers are being made on these sites for points and discounts.
There are a lot of complaints in having a credit card; billing disputes, late fees, interest rates, credit reporting, identity theft, etc. In 2012, consumers are projected to add $50 billion in credit card debt alone. When applying for a credit card, it pays to know what you’re getting yourself into. Know your card. Shop responsibly!
courtesy of CardHub.com