One seemingly small mistake - that most people don't think of as anything - can have ramifications far beyond what seems legal to most people. But it is legal.

The factors cited by card issuers are very broad. It appears that anyone - not just people in financial difficulties - could be subjected to a much higher rate for very insignificant reasons.

These plans can be a hassle to use. You have to dial seven digits before the number you wish to call for a total of 18 numbers.

I came face to face with 'usual and customary,'

Even if you lose, the message will start to be heard.

You don't want to be lackadaisical about checking your bill.