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Respite for consumer cards, but not for business card holders

[Wednesday, August 3rd, 2011]

The Credit Card Accountability, Responsibility and Disclosure Act that was implemented a little over a year ago has brought respite to the millions of consumer credit card holders. However, the legislators who drafted the law exempted the small business credit cards from enjoying these protections, therefore posing higher risks for customers with these cards.

The CARD Act was brought into effect to curtail the abnormally increasing rates of interest and fees on consumer credit cards that prevented customers from paying off their dues completely. The implementation of the act has put a clamp on the burgeoning rates, thanks to the rules and regulations that govern the act. While the regular customer credit card holders are a happy lot, the business card holders still are now out of danger. With the consumer credit cards out of the way, credit card companies are trying to make up for the lost revenue by increasing the interest rates and fees on business credit cards.

In addition to the ever increasing interest rate on these credit cards, business card holders are also struggling with the high interchange fees they have to pay to the bank when their customers use either credit or debit cards to pay for their purchase. In order to overcome this problem, a number of small business holders are using their personal credit cards to pay for their business purchases to ensure maximum protection. However, experts suggest that this could be detrimental and lead to many other problems.

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