Some 3 billion pieces of mail are sent to U.S. consumers each year from credit card companies, according to 2015 statistics highlighted in Business Insider. That's a lot of marketing to wade through. And, as you know, it's simply not enough to pay your balance in full and on time. Credit card companies are looking for ways to penalize you for paying your balance off. They can cancel a card if you are not using it, which can hurt your credit score. Did you know they can raise your APR on one card simply because they found out you were late on a payment to another? Did you also know that the fine print on contracts states they can increase your APR at any time they want, for any reason?
Fighting back doesn't take one borrowed dollar. Here are ten ways to turn the tables on credit card companies.