Article: Pittsburgh Post-Gazette Personal Finance Queries Column.

By Patricia Sabatini, Pittsburgh Post-Gazette Knight Ridder/Tribune Business News

Mar. 5--QUESTION: Perhaps readers should be made aware that MBNA America is enclosing annual percentage rate change notices in the monthly [credit card] bill envelope that appears to be "junk insert stuff" that we normally throw away. For some random reason this month, I read the inserted material. This may serve as the basis for a "watch out" article.

--W.G. Sayre, Boyers

ANSWER: Watch out, indeed. Credit card companies can change the terms of your agreement with as little as 15 days notice. Nothing is sacred, including your so-called "fixed" interest rate. ...

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