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in F r e i s t i l 12.10.2018 03:26
von beautygirl • 781 Beiträge

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While the banks may be ignoring the recent protests in Washington, the next wave of protest brewing in the middle classes of America will certainly catch their attention.


“According to the Federal Reserve, Americans currently hold more than $780 billion dollars in “”revolving”” credit card debt. “”Revolving”” debt is when the card holder pays only the minimum payment every month.


And many Americans who need help with debt are coming to the conclusion that making even the minimum payment is a waste of money. ”


“The average interest rate charged on credit cards in the United States is 17.99%. A significant number of people are being charged higher rates ranging up to 29.99%.


While many states have usury laws that limit the interest that can be charged on a loan, national banks are allowed to ignore the state laws. Getting out of debt becomes very difficult when rates are that high.


“That’s why there’s so much revolving credit card debt still out there Wholesale Jerseys ,” said Naomi Sharatt, an independent financial adviser in San Francisco, California.


“The interest rates are so high that even if a person makes the monthly minimum payment and spends nothing on the card, they will never get out of debt.”


The Federal Reserve’s credit card calculator backs her up — high balances and high interest rates never be paid off.


This would be galling enough for most tax payers Cheap Soccer Jerseys Free Shipping , but it is made much worse by the special treatment the banks got from the government during the financial crisis.


According to Bloomberg, Congress gave permission to the Federal Reserve to make over $1.2 trillion in secret loans to bankrupt banks. Bloomberg had to file a Freedom of Information Act lawsuit to make this information public.


And what interest did the banks pay on those secret loans? Less than one half of one percent.


So while the banks charged their customers an average rate of 17.99%, they got taxpayer money for 1% or less.


This point is not lost on the average taxpayer, especially those facing credit card bankruptcy.


“The question we have Cheap Soccer Jerseys Wholesale ,” said Karl Langford, 63, a protester at a rally in Tiburon, a small town in northern California “is why Congress will do literally anything to help the banks Cheap Soccer Jerseys From China , but it can’t do a single thing to help us.”


Sites like DebtProtest address this sentiment directly. DebtProtest generates a detailed analysis of one’s debt situation, answering a basic question: have you already paid back more than you spent on your credit cards?


If you paid the banks as much or more than you spent, the site claims, then you have already paid your debt — at least from a moral point of view.

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