21 Quotes by Bill Hardekopf

If it's not back there by the due date, you can go into a default rate here very quickly. If you miss a couple of payments, you can be charged a default rate, which can be up to 28 percent.

There are so many different options for consumers that didn't exist 20 years ago.

Many families are frustrated and overwhelmed by working hard only to see their debt grow instead of their savings. This is a large group of people who are one late payment away from receiving punitive default rates of almost 30% on credit cards and other loans. If you are at the edge, default rates will be devastating. If your credit card bill comes at the end of the month when there is no money left, contact your credit card company to change your billing schedule to fit with your pay schedule.

The quality of the phone call with small carriers is the same, you just haven't heard about these companies because they don't spend a lot of money marketing themselves.

We think the market will change quite a bit.

We don't think this is a good thing for consumers. The telecom industry has exploded, in terms of growth and options, and now AT&T will be even bigger and more powerful than it was.

Voice Over Internet Protocol has become a media and technology favorite, portrayed as the service that sends local and long distance carriers into extinction.

We are watching AT&T be reconstructed again right in front of our eyes. If the FCC is going to allow this to happen, you have to ask why they broke them up in the first place.

Every person who pays off their credit card in full each month should be using a credit card that gives a rebate or a reward. Otherwise, you are being economically foolish. Some of these cards pay you a significant cash rebate just for using the card.