Card Jeff

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Atlanta Falcons Football Cards Lot Signed    US $5.00

Magic the Gathering lot of 80 cards Value of $20 MTG    US $5.99

1991 Space Shots Jeff Hoffman signed autographed card    US $.99

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JEFF TORBORG TOPPS BASEBALL CARD FROM 1969 353 LOS ANGELES DODGERS world serie    US $1.99

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THE ART HUSTLE SERIES 2 ARTIST TRADING CARDS SEALED BOX    US $144.00

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Winners Circle Jeff Gordon Starting Lineup Series 1999    US $.99

1996 Skybox Triple Threats x 4 Nos TT1 TT2 TT3 TT9    US $3.00

1982 Donruss Tron Complete Card Set 66 Cards mint Jeff Bridges    US $9.49

2006 Fleer Ultra Diamond Producers Jeff Kent    US $.60

1992 Upper Deck FanFest 54 Card Future Heros All Star Heros Baseball Cards    US $7.99

Roger Dean Complete 90 Card Set Yes Rock Album Covers CHEAPEST ON EBAY    US $4.99

RARE VINTAGE 81 82 DONRUSS TRON COLLECTOR TRADING CARD COMPLETE SET JEFF BRIDGES    US $10.00

Mixed Lot of NASCAR Trading Cards 1    US $2.50

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WACKY PACKAGES POSTCARD HALLOWEEN 2011 6 CARD SET HALLOWEEN POSTCARD WRAPPER    US $18.85

1995 Complete Racing Foil Trading Card Set NIB    US $16.95

Jeff Gordon Metal trading card    US $5.10

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Jeff Gordon Collectible AC Spark Plug Race Card 1995 Limited Edition    US $4.99

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X Men Oasis HILDEBRANDT AUTOGRAPH RARE 1 in 500    US $34.95

Series 1 one Garbage Pail Kids lot of 20 original cards 1985    US $6.00

1994 Post Baseball Card Set    US $5.99

1994 Upper Deck Collectors Choice Baseball Card Team Checklist Set    US $5.49

Iron Man Jeff Bridges as Obadiah Stane Costume Card    US $8.99

Obama Ushers In “Fair and Transparent” Credit Card Regulations

In a sweeping move that aims to provide hundreds of thousands of Americans help with credit card debt, President Obama signed into law last month legislation that will put a stop to credit card companies imposing sudden rate hikes and exorbitant fees and penalties on cardholders.

In the days before the Senate was set to vote on the proposed credit card regulations, Obama, in his weekly radio message, called on Congress to approve the bill, speaking of an urgent need for new credit card legislation to provide financially tapped consumers with some credit debt relief and to help with “clearing away the wreckage of this recession.”

Obama’s radio address followed an earlier report by Fitch Ratings that revealed a record number of consumers were 60 days or more behind on their credit card payments in April (“Fitch: Card Delinquencies Rise; Show Signs of Slowing,” CreditCards.com, May 7, 2009).

“Americans know that they have a responsibility to live within their means and pay what they owe,” the president said. “But they also have a right to not get ripped off by the sudden rate hikes, unfair penalties, and hidden fees that have become all too common to our credit card industry.”

New Credit Card Regulations Offer Debt Relief to Cardholders

The House of Representatives, on April 30, passed its version of a credit card reform bill, dubbed the Credit Cardholders’ Bill of Rights. Among other things, the Credit Cardholders’ Bill of Rights obligates credit card issuers to maintain any introductory “teaser” rates for at least six months and bans retroactive interest-rate increases on a cardholder’s existing credit card balances.

The Senate version of the bill, the Credit Card Accountability, Responsibility, and Disclosure Act, which passed by a vote of 90–5 on May 19, was merged with the House’s Credit Cardholders’ Bill of Rights and signed into law by President Obama on May 22. In addition to the measures proposed by the House, the Senate’s Credit CARD Act offers other consumer protections and debt relief provisions:

1. A consumer’s payments must be applied to highest interest-rate balances first.

1. If a late payment causes a cardholder’s interest rate to go up, the cardholder will be able to reclaim the lower rate after six months of consecutive on-time payments.

1. Cardholders must consent to have the ability to charge more than their credit limit. If a cardholder doesn’t opt in to allow over-limit spending on her or his credit card, the card issuer may not allow the cardholder to charge more than her or his credit limit and then slap that cardholder with an over-limit penalty fee.

Help With Credit Card Debt in Interest-Rate Controls

Perhaps most notably, credit card companies will now have to provide consumers with 45 days’ notice before raising interest rates or significantly increasing fees — a provision of both the House and Senate versions of the legislation and a particular hot-button issue for consumers and consumer advocates in the past year as credit card rates have skyrocketed, an outgrowth of the attempts by struggling banks to recoup losses from growing numbers of defaulting cardholders.

According to estimates from the Center for Responsible Lending, about 10 million cardholders in the last six months saw their interest rates jump for no apparent reason, with some consumers seeing increases of 10 percentage points or more.

Under the new law, interest-rate increases are prohibited altogether in the first year that a consumer holds a credit card.

Congress also responded to one of Obama’s persistent criticisms that credit card terms and agreements are too abstruse and impenetrable for consumers to easily understand.

“You shouldn’t have to fear that any new credit card is going to come with strings attached, nor should you need a magnifying glass and a reference book to read a credit card application,” Obama said in his radio address. “It is past time for rules that are fair and transparent.”

The Credit CARD Act dictates that cardholder agreements must be written in “plain English” and posted online, and gives guidelines for the kind of language and even the font size that credit card companies may use in explaining their business terms to customers.

The Push for Credit Card Industry Reforms

Although the Federal Reserve had already approved many of these same credit card measures in December in a move to curb abusive credit card practices, the Fed’s rules aren’t scheduled to go into effect until July 2010. Spurred by an ever-expanding number of cardholders defaulting on their credit cards and turning to debt relief options like credit card debt settlement and bankruptcy, consumer groups had been urging the president to continue to push for a credit card reform law that could help struggling cardholders sooner.

And with the new legislation, consumer advocates have gotten their wish: The Credit CARD Act will become effective in February of 2010.

“There is no time for delay,” Obama himself said. “We need a durable and successful flow of credit in our economy, but we can’t tolerate profits that depend on misleading working families. Those days are over.”

About the Author

Jeff Mictabor is an enthusiast on the topic of student loan issues in the news. He has been writing for the past 10 years for a variety of education publications. He now offers his writing services on a freelance basis.

Do you think that if the Wrestlemania card wasn't so loaded, Matt-Jeff would have been better?

I'm not saying their fued has been bad, but I think I'm safe in saying that it had the potential to be a lot better then it's turned out to be.
Do you think that if the Wrestlemania card wasn't so full, Triple H-Orton, MITB, Cena-Edge-Big Show, Undertaker-HBK, Jericho-Legends and more, that the Hardy match could have been a lot better?
It almost seemed like an afterthought. Now I know that Undertaker-HBK blew us all away, but still, it seemed to me like Jeff-Matt didnt' really have any significant screen time to build their fued. On RAW and SD leading up to Wrestlemania, Triple H and Orton took up half the show.

In my opinion after the Undertaker vs HBK match the extreme rules match between the Hardy's stole the show. Their match was very entertaining and had lots of exciting moments. I agree it had a huge amount of potential to do better. The feud between them at first looked like it was main event material but than it got overshadowed by the title matches and the other feuds. WWE could have used more build up like promo times and stuff but instead they overhyped the Randy Orton vs Triple H match and the result is that people walked out of the arena and was a really boring match. Jeff and Matt should have gotten more time to progress their feud and it shouldn't have been overshadowed by every other match. So yes i agree that if the wrestlemania card wasn't so huge Jeff and Matt feud could have been a lot better. In my opinion also the wrestlemania card could have stayed the same but wwe made the feud between the hardy's into like a mid card feud if they just hyped it up like the Undertaker vs HBK or something it would have been a lot more anticipated and exciting for the fans. The extreme rules match was the second best match in wrestlemania 25 in my opinion. I like their feud and it's filled with emotion and hate but wwe should have done more to hype it.

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