Bank and Credit Card Hypocrisy and You

Banks and credit card companies call their charges fees or a penalty but they call a payday advance a rip-off because they are able to classify the differed deposit as a payday loan. OK fair enough but how does it look when you put there charges into Annualized Percentage Rates, (APR) format. Now using APR also implies that you are bouncing the check or paying the late fee over and over for a full year thus the Annual part of APR.

Original text: Bank and Credit Card Hypocrisy and You

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