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6 Credit Card Secrets The Bank Doesn’t Want You To Know

One Late Payment = Two Penalties

In this wonderful and “fair” world we live in, you can be penalized with two surcharges on one delinquency, and you won’t know about them until you’ve been charged. These can come in the form of a late fee (up to $35), and a penalty rate – a permanent interest increase that can jack up your APR to as high as 30 percent! The 2009 CARD Act sought to place limits on these increases, though the details aren’t widely known by the average cardholder.

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