by David Pogue · 10 Mar 2026 · 686pp · 216,944 words
restaurant waiter could copy it down—and more generous. It offered 1 to 3 percent cash back, the industry’s lowest interest rate, and no late fees, foreign fees, returned-payment fees, or annual fees. The statement, in the app, listed plain-English vendor names instead of cryptic codes. Goldman Sachs lost
by Cass R. Sunstein · 25 Mar 2014 · 168pp · 46,194 words
multiple disclosure requirements in the 2009 Credit Card Accountability Responsibility and Disclosure (CARD) Act, which are designed to ensure that cardholders are not surprised by late fees and overuse fees. Small nudges, informing people of the costs of such fees in advance, have contributed to annual savings, as a result of the
by Chris Nodder · 4 Jun 2013 · 254pp · 79,052 words
activity, allowing people to feel OK about doing it because they paid for it. Ariely’s example is parents who were happy to pay a late fee for leaving their kids in daycare too long. It would be interesting to see whether GymPact has users who behave the same way, seeing payment
by Ed Finn · 10 Mar 2017 · 285pp · 86,853 words
rentals—and revolutionized it by creating a set of incremental advantages over its competitors. These perks were deeply appealing to consumers. Instead of paying expensive late fees to their local retail store, Netflix allowed customers to hang onto their copy of Titanic as long as they pleased for a fixed monthly subscription
by Richard H. Thaler and Cass R. Sunstein · 7 Apr 2008 · 304pp · 22,886 words
. Imagine the wakeup call for a credit card user who is told that over the past year he paid $2,153 in interest, $247 in late fees, and $57 in currency transaction fees. Some other nudges could help as well. For example, credit cards always mention the minimum payment you can make
by C. K. Prahalad · 15 Jan 2005 · 423pp · 149,033 words
’t turn in his or her payment portion on time, the group as a whole will pay a late fee of an additional 50 percent (60 pesos) per late socio. Not only is there a late-fee penalty, but the delivery for the entire group is delayed by one week as well. This also
by Cherie L. Weible and Karen L. Janke · 15 Apr 2011 · 144pp · 55,142 words
will inevitably be items that are returned past the due date. Each borrowing library must formulate its position on overdue materials and decide whether a late fee should be charged to patrons for overdue interlibrary loan items. Some libraries take the position that fees are difficult to collect and manage. Other libraries
by Chris Guillebeau · 7 May 2012 · 248pp · 72,174 words
my dues. A polite note was placed on my door: “Did you forget something?” I shamefully paid up and included an extra 50 cents in late fees. BECOME AS BIG AS YOU WANT TO BE (AND NO BIGGER). “Nothing will work unless you do.” —MAYA ANGELOU Among the people we’ve met
by J.D. Roth · 18 Mar 2010 · 519pp · 118,095 words
your balance every month. He's been using credit cards for 11 years and has never paid a finance charge. He's never paid a late fee, either, though he's come close. "There have been times my payments were a couple days late, but every time I've been able to
by Taylor Larimore, Michael Leboeuf and Mel Lindauer · 1 Jan 2006 · 335pp · 94,657 words
the interest rate a credit card company can charge. Similarly, there is no federal limit on how much credit card companies can charge you for late fees. By agreeing to their terms, you risk placing your financial future in the hands of companies with the power to become legalized loan sharks. Do
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