Sushi Money 寿司的钱

There may be some good news for consumers this year as Congress will weigh a new Credit Card Bill of Rights that will help provide more protection from arbitrary decisions by credit card companies.可能有一些好消息，让消费者在今年国会将衡量一个新的信用卡人权法案，这将有助于提供更多的保护，免受任意决定由信用卡公司。 The bill was introduced by Rep. Carloyn Maloney from New York, and primarily focuses on requiring credit card companies to treat the agreement with consumers more like a contract and to provide greater notice for any changes in rates, fees or billing cycles.条例草案提交由众议员carloyn马宏升由New York ，并主要集中于要求信用卡公司处理的协议，与消费者有更多像一个合同，并提供更大的通知，任何的变化，利率，手续费或其他结算周期。 It’s hard to see how this bill could be opposed from a consumer viewpoint, and as we’ve mentioned before it’s something long overdue.这不难看出，如何在这条条例草案，可以反对从消费者的角度来看，正如我们已经提过 ，它的东西早该。

“In recent years the playing field between credit card companies and credit cardholders has become very one-sided,†Maloney said. â € œin近年来，公平的竞争环境之间的信用卡公司和信用卡持有人已成为一个非常片面的， â €马宏升表示。 “A credit card agreement is supposed to be a contract, but what good is a contract when only one party has the power to make decisions?†⠀ œa信用卡的协议是一个合同，但有什么好处，是一项合同时，只有一方有权力作出决定？ â €

Many of the credit card companies have begun reforming certain practices, but the nickel and dime stuff continues unabated.许多信用卡公司已开始改革的某些做法，但镍和毛钱的东西继续有增无减。 I don’t think most banks and credit card companies really understand.我不认为大多数银行和信用卡公司真正了解。

The banking industry says it is committed to consumer protection and responsible lending, yet it opposes many of the provisions in the bill.银行业内说，这是致力于保护消费者权益和负责任的贷款，但它反对的许多规定在条例草案中。 In a statement, Edward Yingling, president of the American Bankers Association, says he has “serious concerns†that certain aspects of this legislation “would have unintended consequences such as more expensive and less accessible credit.â€在一份声明中，何承天玲主席对美国银行家协会说，他已经â € € œserious concernsâ的某些方面这条法例â € œwould有意想不到的后果，如更加昂贵，并且较不易取得credit.â €

The Consumer Federation of America cites the key provisions of the “Credit Card Bill of Rights Act†would prohibit :美国消费者联合会的濒危物种贸易公约的关键条款的â € œcredit卡人权法案actâ € 将禁止 ：

o Bait-and-switch interest rate and fee hikes for any or no reason at all during the life of the card; o诱饵和开关利息和费用上涨的任何或没有理由在各期间的生活卡;
o Assessing hidden and unfair interest rate charges by charging interest on balances already paid off; o评估隐患和不公平的利息收费，收费结余利息已支付的小康;
o Unjustifiably maximizing interest charges by requiring consumers to pay off balances with lower o无理最大限度地收取利息，要求消费者支付余额较低
interest rates before those with higher rates;先提高贷款利率的那些高利率;
o Charging late fees when consumers mail their payments seven days in advance of the due date; and o收取滞纳金时，消费者的邮件他们支付七天，在前进的到期日;
o Applying certain unfair interest rate hikes retroactively to balances incurred under the old rate. o适用于某些不公平的加息追溯结余的费用根据旧率。

“We’re seeing a groundswell of consumer outrage about credit card practices,†says Jeannine Kenney, senior policy analyst at Consumers Union. â € œweâ € ™重新看到但对消费者的愤怒，约信用卡的做法， â €说jeannine肯尼，高级政策分析员在消费者联盟。 “People are fed up.†⠀ œpeople是美联储up.â €

Well, that’s how reform takes place right?那么，这就是如何改革需要的地方，对不对？ After enough people demand change, the legislators usually come around.经过足够多的人需求的变化，立法者通常左右。 Will this affect the bottom line for banks and financial institutions that issue credit cards?这是否会影响底线，为银行和金融机构在这个问题信用卡？ Maybe, but there will always be fees, charges and money to be made in business.也许，但将永远费用，收费及金钱来所取得的业务。 Personally I’ll take a lesser dividend cut if the credit card agreements were easier to understand and little more consumer friendly.我个人将采取较小的削减股息，如果信用卡的协议更容易理解和多一点的消费者友好。 It should be pretty simple: Agree to a card, rate and billing cycle.应该很简单：同意一卡，利率和结算周期。 And don’t change anything unless the consumer defaults on payments.不要任何改变，除非消费者的拖欠款项。 And if something is going to change?如果事情是要改变呢？ Then let us know in plain english.然后让我们知道，在简单易懂的英语。

For specific details, you can review the .pdf press release from the Consumer Federation of America (3-page pdf).为具体的细节，您可以检讨。 PDF格式的新闻稿，从美国消费者联合会 （ 3页， PDF格式） 。

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