It’s not your father’s credit card. A few decades ago interest rates were agreed upon and remained at a steady, dependable rate. A customer could count on that interest rate holding steady until the balance was paid off, and budget their monthly credit card expenditure accordingly. If a customer was late making a payment, a phone call could usually get the occasional charge waived. In current times, credit card companies have been honing in like sharks, and have been using more and more devious and questionable practices to squeeze the maximum amount of money out of cardholders by shortening billing […]