1. If you spend more than 50% of your credit limit every month, this indicates to the Credit Bureau that you do NOT have enough cash on hand to meet your monthly expenses. This will identify you as a high credit risk and will actually reduce your credit score by 60 - 70 points overnight (Fair Isaac).

2. If you miss 1 or 2 payments on your credit card debt, the issuing company will skyrocket your interest rate to a whopping 27% - 30%!

3. Out of a random sample of 3 million American consumers (included in Experian's National Score Index), 51% of them have at least 2 credit cards and 14% of them have 10 or more credit cards.

Debt consolidation Policies of Amana HRS USA

Other Names:
Physical Address:	403 W 4th St N Newton, Iowa (IA) 50208
Phone #:	(800) 843-0304 (800) 843-0304
Email:
Their Cut (Fair Share):	Electronic Payments -> ? Paper Check -> ?
Late Fees Charges:	n/a
Interest Rate Charged:	9%
Fresh Status:	Fresh Status achieved after 3 months of regular on time payments.
Minimum Payment Accepted:	Debtor must pay 2.5% of the original debt balance or $10, whichever is higher.
Account #'s:	The Account #'s of the firm consist of 14 digits beginning with 101, 102, 103, 120, 121, 122, 123,124, 130, 140, 141 and so on and so forth.
New Policies, Notes:	- After January 1st, 2004, the proposed Minimum Payment Accepted is 2.25% of the balance or $10 whichever is higher. - Before January 1st, 2004, the proposed Minimum Payment Accepted was 2% of the balance or $10 whichever is higher. - APR effective for debt consolidation proposals after 1st April, 2000 is 9% - APR effective for debt consolidation proposals before April 1st, 2000 is 6%

Other Names: This is the other names that the debt consolidation firm possesses. You can use these other names to check Better Business Bureau (BBB) records of the firm.
Physical Address: This is the physical location of the debt consolidation firm. If the field is blank, please help us by providing us with the address of the firm.
Phone #: You can reach the debt consolidation firm at this phone #.
Their Cut (Fair Share): The debt consolidation firm will negotiate your debts with other creditors. In this, they will also take their "cut" or "fair share." For example, if your monthly payment is $400, the debt consolidation firm will deduct an automatic 10% of this ($40) and pass on the $360 to the creditors to whom you owe debts.
Late Fees Charges: This is the charges they put against any late payments you make while on your debt consolidation program.
Interest Rate Charged: This is the reduced interest rate you will be paying to your creditors whilst under the debt consolidation program.
Fresh Status: If you pay your bills regularly every month, the creditors might give your account a fresh status and re age your accounts.
Minimum Payment Accepted: This is the minimum monthly payments you must make to your creditors whilst under the debt consolidation program.
Account #'s: This is the pattern with which your creditors assign Account numbers. This will help you in locating any of your creditors.
New Policies, Notes: This shows any new policies being implemented by your creditors that will affect your debt consolidation program.