Card Rate Reevaluation Check

Live. Raised a card APR? Reg Z 1026.59: six-month reviews, 45-day rate cuts, and when the duty ends.

Send up to 5,000 credit card accounts with the increase reason and effective date, prior and current APR, review dates and outcomes, reduction dates, and penalty-rate details. Applies Reg Z 12 CFR 1026.59(a)-(h): reviews at least every six months after an increase that needed 45 days' notice, reductions within 45 days after a review on old balances and new transactions, permitted review factors, written policies, the 60-day-delinquency penalty timeline (first review within six months after the sixth payment due date unless six on-time payments cured it under 1026.55(b)(4)(ii)), termination once the pre-increase rate or formula is restored, acquired portfolios, and the SCRA, charge-off and LIBOR exceptions. Returns next review dates and cited findings. Nothing stored.

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

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