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Panamá, 19 de diciembre de 2008
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laestrella.com.pa >> panama_star >> panama star
Friendlier credit card rules coming soon
 Interest rate freeze: surprise Christmas gift from the Fed to US card holders
WASHINGTON. US Consumers will be shielded from increases in interest rates on existing account balances on their credit cards under new rules being adopted by federal regulators.
The changes will allow credit card companies to raise interest rates only on new credit cards and future purchases, rather than on current balances. The new rules coming Thursday from the Federal Reserve and other banking regulators mark the most sweeping clampdown on the credit card industry in decades, aimed at protecting consumers from arbitrary hikes in interest rates or inadequate time provided to pay the bills. Most of the rules were first proposed in May and drew more than 65,000 public comments. They also restrict lender practices as allocating all payments to balances with lower interest rates when a borrower has balances with different rates. But the changes also could make it more difficult for millions of people with bad credit to get what is known as a subprime card carrying higher interest rates, some experts say.
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