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Credit Confusion: Why Is My Issuer Telling Me This?

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A Redditer recently posted this message from a credit issuer, warning that the customer would owe nothing and that the APR on the account would increase by up to 0% if a minimum payment wasn’t received:

Many of you might be wondering why an issuer would remind a customer that they wouldn’t be penalized for a late payment and why this reminder was sent in the first place. Guess what? It has us confused too.


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