My monthly mortgage payment is $500 (principal and interest). I sent a payment of $1,000 with the intent of applying the surplus to the principal, but the bank applied the entire surplus to the interest. Can it do this?
 I was contacted by phone to apply for a credit card. The solicitor discussed a low interest rate and I agreed. But when I received the loan/credit card, the rate was higher. Can the bank do that? Yes. The solicitor should have explained the steps the bank will take once you apply. How often can the bank change the rate on my credit card account? For credit card accounts that have a variable Annual Percentage Rate (APR or rate), the rate will adjust periodically based on the disclosed account terms. For variable rate accounts, a change in rate based on the bank’s agreement with you does not require Should you use a debit card or a credit card? Which retailers are safer? There are some big differences when it comes to cutting your potential You may have made a bundle off gold this year, but the tax bite might be bigger than you Insurance applicants often fudge on issues ranging from DUIs to drug use. But it’s hard to hide baldfaced lies — even though some folks go so far as shaving their Insurance applicants often fudge on issues ranging from DUIs to drug use. But it’s hard to hide baldfaced lies — even though some folks go so far as shaving their |
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