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I was just informed the interest rate on my credit card is jumping from 10% to 29%. I've never made a late payment. I called my bank and they told me it's because some of my other credit accounts were highly utilized."That's exactly what happened to my friend Kyle recently.Because he was close to his credit limits on unrelated accounts his bank legally jacked up his interest rate nearly 200%.The practice is generally referred to as a "universal review." And more and more lenders are using this trick to fill their pockets at the expense of an unknowing public.Kyle didn't have late payments with the credit card that raised his rates. In fact, he didn't have any late payments on any credit cards. However, his lender simply decided that because Kyle was using his other credit, he somehow became a greater credit risk to them—so they nearly tripled his interest rate. This situation hasn't only happened to Kyle. You see, I have several friends that hold high positions within the banking industry. Here's a recent comment from one subscriber who works as a credit analyst for a major national bank. This information is so hush-hush he's asked us to keep his identity secret
आफ्नो हाँसो बन्धक राखी, बिदेश तिर हिन्छु लाग्यो।
अलिकता खुशी बचेँ, अरु आसु किन्छु लाग्यो ।
एक्लै भेट्दा फकाएथेउ, मन् मुटु चिरिवरि
आफै लाई हराएर, तिम्रो नाम लिन्छु लाग्यो।
रोए तिमि तिम्रो लगि, रुने मेरो रहर् भाथ्यो।
देखाएथ्यौ सपना ले, अब सन्सार किन्छु लाग्यो।
मन तन सुम्पे मैले, तिम्रै निम्ति मरिमेटे।
कोसौ पर आहटमा, तिम्रो आभास चिन्छु लाग्यो।
रोउ कति तिम्रो याद मा, भन् "काले" तिमि आफै,
तिम्रै निम्ति रित्तिएथे, बाकि सास नि दिन्छु लाग्यो।
रोएको छु जुनिभर , हासि देउ भन्छौ?
जिवन मर्नु रहेछ, बाचि देउ भन्छौ?
अक्कासिए म, खसलिदियौ,
पिर्ति अब फेरि, गासि देउ भन्छौ?
हात खुट्टा भाचेर लडाइदियौ
आफ्नै मुख् ले फेरि, नाचि देउ भन्छौ?
सुर्के कसेर मेरै घाटि मा,
मलाइ अब , फासि देउ भन्छौ?
भो काले सकिन, म,
बिदा देउ, किन मफि देउ भन्छौ?
आउ एकै छिन , बसी देउ न है ।
मेरो मन मुटु मा पसी देउ न है ।
साह्रै चिन्ता लाग्छ जवान छौ,
ए तारा मेरो छेउ खसिदेउ न है ।
मुखैले सबै भन्न सकिन खै,
प्रेम पत्र लेख्न , मसी देउ न है ।
निकै निकै नै, मनपर्छौ "काले"
कैले नछुट्ने गाठो, कसी देउ न है ।
"काली" भनेरै बोलाए हुन्छ अब,
बिन्ती मेरो मुटु म पसिदेउ न है ।
मर्छु काले म, बिन्ती तिम्रै काख मा,
सिउदो म एक चिम्टी सिन्दुर घसिदेउ न है।
हर साँझ सम्झी रन्छु , सपनि मा देखिरन्छु ।
सधैं सधैं कुरा हुँदा, ओठ मा तिम्रै बास छ ।
मेरा सबै खुशी हरु, तिमीलाई सुम्पिएथे ।
आफ्नै लागि छर्नलाई ,अलिकति मास छ ।
एक पल्ट भेट्नलाई, फर्किएर आउ "काले"
केवल तिम्लाई पर्खिराको, एउटा जिउदो लास छ
I was just informed the interest rate on my credit card is jumping from 10% to 29%. I've never made a late payment. I called my bank and they told me it's because some of my other credit accounts were highly utilized."That's exactly what happened to my friend Kyle recently.Because he was close to his credit limits on unrelated accounts his bank legally jacked up his interest rate nearly 200%.The practice is generally referred to as a "universal review." And more and more lenders are using this trick to fill their pockets at the expense of an unknowing public.Kyle didn't have late payments with the credit card that raised his rates. In fact, he didn't have any late payments on any credit cards. However, his lender simply decided that because Kyle was using his other credit, he somehow became a greater credit risk to them—so they nearly tripled his interest rate. This situation hasn't only happened to Kyle. You see, I have several friends that hold high positions within the banking industry. Here's a recent comment from one subscriber who works as a credit analyst for a major national bank. This information is so hush-hush he's asked us to keep his identity secret
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