No. of Recommendations: 0
I need help finding a credit bureau in NY that can get the credit card companies off my
back. They are killing me with interest and late charges.

You agreed to those charges when you applied for the card and used it for the first time. Fortunately, in the US, the companies are also required to completely disclose the terms of the agreement. They can be tedious to read, but if you choose not to read them, then it is nobody's fault but your own.

Now you don't like it and want a way out.

Avoiding late fees is easy.... Make the minimum payment by the due date. Don't try to push it - make the payment as soon as you get the bill.

The only way to avoid interest is to pay off the accounts. Read the FAQ and pages about how to get out of credit card debt (links at the bottom of the page.). Quit charging to those cards and begin throwing all the money that you can toward reducing the balance. You must make above minimum payment.

We also advocate here asking for lower interest rates and using teaser rates, but if your credit report shows a history of late payment, you're unlikely to be offered those.

Print the post  


UGC Disclosure Notice Regarding Credit Card Posts
Community board discussions about credit cards are not provided or commissioned by banks who may have advertising relationships with The Motley Fool. Responses have not been reviewed, approved or otherwise endorsed by the bank advertiser. It is not the bank advertiser's responsibility to ensure all posts and/or questions are answered.
TMF Credit Center
The Motley Fool Credit Center arms you with real tools and simple messages, that will help you in every credit situation.
When Life Gives You Lemons
We all have had hardships and made poor decisions. The important thing is how we respond and grow. Read the story of a Fool who started from nothing, and looks to gain everything.
Contact Us
Contact Customer Service and other Fool departments here.
Work for Fools?
Winner of the Washingtonian great places to work, and Glassdoor #1 Company to Work For 2015! Have access to all of TMF's online and email products for FREE, and be paid for your contributions to TMF! Click the link and start your Fool career.