Card APR Increase Check

Live. Collecting a credit card balance after a rate hike? CARD Act APR increase exceptions, 45-day notices, protected balances and the interest overcharge.

Send up to 2,000 credit card accounts with the reason and date of the rate increase, notice date, account open date and how the new rate was applied. Applies Reg Z 12 CFR 1026.55 and 1026.9(c)(2)/(g): promotional rates of at least 6 months, public variable index, advance-notice increases (never in the first year, while closed or frozen, or on balances from before or within 14 days after the notice), the 60-days-late penalty rate with the reason, the six-payment cure and restoring the old rate, workouts, SCRA, protected-balance repayment limits, and continuing application after a debt buyer acquires the account (1026.55(d)). Estimates interest overcharged on protected balances. Nothing stored; not legal advice.

Price: $0.001 per call after 1,000 free per month.

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