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Do they have to clear the account all at once? Or do they have six months to do this before they get the $300 payment?	do they have to clear the account all at once? or do they have six months to do this before they get the	Do they have to clear the account all at once? Or do they have six months to, do this. before they get the	do they have to clear the account all at once? or do they have six months to do this before they get the $300 payment?
The offer gives just two months to pass the balance. So, many people who are carrying a balance can't pay them off all at once. I suspect the timing of this might have something to do with tax refunds coming in, and the thought that if you're going to pay down your debt with the tax refund, Amex wants you to take them instead of one of your other credit card companies.	the offer gives just; two months to pass the balance so many people who are carrying a balance can't pay them off all at once i, suspect, the timing of, this might have something to do, with tax, refunds coming in and the thought that if you're going, to, pay down your, debt with the tax refund amex wants you to take them instead of one of your other credit card	The offer gives just two months to pass the balance So many, people who are carrying a balance can't pay them off all at once I suspect the timing of this might have something to do with. tax refunds coming in and the thought that, if you're going to pay down your debt with the tax refund Amex wants you to take them instead of. one of your other, credit card	the offer gives just two months to pass the balance. so, many people who are carrying a balance can't pay them off all at once. i suspect the timing of this might have something to do with tax refunds coming in, and the thought that if you're going to pay down your debt with the tax refund, amex wants you to take them instead of one of your other credit card companies.
Hmm. Now, Amex says they're doing this to reduce the risk or future defaults. Does that explanation makes sense to you?	hmm now amex says they're, doing this to reduce the risk or future, defaults does that. explanation, makes sense to	Hmm Now Amex says they're doing this to reduce the risk or future defaults, Does that explanation makes sense to	hmm. now, amex says they're doing this to reduce the risk or future defaults. does that explanation makes sense to you?
It makes some sense. We're seeing all kinds of, sort of, cutbacks and harsher terms different from this. At least this you get a choice. In the credit card industry, generally, that are designed to respond to the fact that the credit card industry pushed out too much debt to American consumers, and too much credit availability, and now they're trying to pull it back all at once.	it makes; some sense we're seeing all kinds of, sort of cutbacks and harsher terms, different. from, this at least this you get a choice in the credit card industry, generally that are designed to respond to the fact that the credit, card industry pushed out too much debt to, american consumers and too much credit availability and now they're trying to pull it back all at,	It makes some sense We're seeing all kinds. of, sort of cutbacks and harsher terms different from this At. least. this you get a choice In the credit card industry generally, that are designed to. respond to the fact that the credit card industry pushed out too much debt to American consumers. and too, much credit availability and. now they're trying to pull it back all at,	it makes some sense. we're seeing all kinds of, sort of, cutbacks and harsher terms different from this. at least this you get a choice. in the credit card industry, generally, that are designed to respond to the fact that the credit card industry pushed out too much debt to american consumers, and too much credit availability, and now they're trying to pull it back all at once.
So American Express is offering, essentially, a carrot - a $300 carrot - to move potentially troubled accounts off their docket. What are other companies doing to shed troubled accounts?	so american, express is offering essentially a carrot - a $300 carrot - to move potentially troubled accounts off their docket what are other companies doing to shed troubled	So American Express is offering essentially a carrot - a $300 carrot - to move potentially troubled accounts off their docket What are other companies, doing to. shed troubled	so american express is offering, essentially, a carrot - a $300 carrot - to move potentially troubled accounts off their docket. what are other companies doing to shed troubled accounts?
But the companies are trying to reduce their overall exposure by bringing the limits down very close to what is already owed. And some consumers are telling us that as they try to pay down that new - their existing balance - so as to make it not look like their maxed out on their card with the new limit, it's being lowered again.	but the companies are trying to reduce their overall exposure. by bringing the limits down very close to what is already owed and some consumers are telling us that as they try to pay. down that new - their existing balance - so as. to, make it not look like their maxed out on their card with the new limit it's being. lowered	But. the companies are trying to reduce their. overall exposure by bringing, the limits down very close. to what is. already owed And some consumers are telling us that, as they try to, pay down that new - their existing, balance - so as to make it not, look like their maxed out on; their; card with the, new limit it's being lowered	but the companies are trying to reduce their overall exposure by bringing the limits down very close to what is already owed. and some consumers are telling us that as they try to pay down that new - their existing balance - so as to make it not look like their maxed out on their card with the new limit, it's being lowered again.
Are they also raising interest rates?	are they also raising interest	Are they also raising interest	are they also raising interest rates?
We have seen some increase in interest rates over the last year. Some consumers seem to be getting it more than others. They get these vague explanations - like market conditions. We're also seeing a lot more consumers getting bumped over into the penalty box. You know, you forgot to mail a bill. Or, the payment came in one or two days late. Most consumers are getting bumped over. And the difference between who you pay under your promised rates and what you pay for the penalty rate is now 16 points, that's the largest it's ever been.	we have seen some increase in interest rates over the last year some consumers seem to be getting it more than others they get these vague explanations - like market conditions we're also seeing a lot more consumers getting bumped over into the penalty box you know you forgot to mail a bill or the, payment came in one or two days late most consumers are. getting bumped over and the difference between who. you pay under your promised, rates and what you pay for the penalty rate, is now 16 points that's, the largest it's ever	We, have seen some increase in interest rates over the last year Some, consumers seem to be. getting it more than others They get these vague explanations - like market. conditions We're also seeing a lot more consumers getting bumped over into the penalty box You know you forgot to mail a bill Or the payment came in one or; two days late Most consumers are getting bumped over And the difference between who you pay under your promised rates and what you, pay for the penalty rate is now 16 points that's the largest it's ever	we have seen some increase in interest rates over the last year. some consumers seem to be getting it more than others. they get these vague explanations - like market conditions. we're also seeing a lot more consumers getting bumped over into the penalty box. you know, you forgot to mail a bill. or, the payment came in one or two days late. most consumers are getting bumped over. and the difference between who you pay under your promised rates and what you pay for the penalty rate is now 16 points, that's the largest it's ever been.
How do these credit card companies decide which customers get a rate hike? Are they only raising interest rates for customers with late payments?	how do. these credit card, companies decide which customers get a rate hike? are they only raising interest rates for customers with late	How do these credit card companies decide which customers get a rate hike? Are they only raising interest rates for. customers with late.	how do these credit card companies decide which customers get a rate hike? are they only raising interest rates for customers with late payments?
No. What I'm getting - consumers telling me, my rate went up, I can't get the bank to tell me why. They just said the computer picked you. If you make a mistake, if you have a late payment, you can get bumped in the penalty box and your rate can sky rocket. So the companies can already do that and they've already been doing that. What we're seeing is people who aren't in the penalty box still getting rate increases and getting told: We think you're a higher risk than we thought before, even though nothing has changed for the consumer.	no what. i'm getting - consumers telling, me my rate went up i can't get the bank to tell me why they just said the computer picked you if you make a mistake. if you have a late payment you can; get bumped in the, penalty box and your rate can sky rocket so the companies can already do that and. they've. already been doing, that what, we're seeing is people who aren't. in the penalty box still, getting rate increases and getting, told: we think you're a higher risk. than we thought before even though nothing has changed for, the	No What I'm, getting - consumers telling me, my rate went up I can't get. the bank to tell me why They just said, the, computer, picked you If you make a mistake if, you have a; late. payment you can get bumped in the penalty box and your rate can sky rocket So the companies can already do. that and they've already been, doing that What we're seeing is people who aren't in, the penalty box still getting rate increases and getting told: We think you're a higher risk than we thought before even though nothing, has changed for the	no. what i'm getting - consumers telling me, my rate went up, i can't get the bank to tell me why. they just said the computer picked you. if you make a mistake, if you have a late payment, you can get bumped in the penalty box and your rate can sky rocket. so the companies can already do that and they've already been doing that. what we're seeing is people who aren't in the penalty box still getting rate increases and getting told: we think you're a higher risk than we thought before, even though nothing has changed for the consumer.
The computer just picked you. That's not the kind of lottery you generally want to win.	the computer just picked you that's not the kind. of lottery you generally want to	The computer; just picked you, That's not, the kind, of lottery you generally want to	the computer just picked you. that's not the kind of lottery you generally want to win.
No, of course not. And the computer doesn't just pick you. The bank has a set of parameters that they put in, deciding who they want to increase. They're just not telling consumers what those criteria are.	no of course not and the computer doesn't just pick you the bank has a set of. parameters that they put in deciding who they want to, increase they're just not. telling consumers what those criteria	No of course not And the computer doesn't just pick you The bank has a set of parameters that they put in deciding who they want to increase They're just not telling, consumers what those criteria	no, of course not. and the computer doesn't just pick you. the bank has a set of parameters that they put in, deciding who they want to increase. they're just not telling consumers what those criteria are.
Is there any room for negotiation?	is there any room for	Is; there. any room. for	is there any room for negotiation?
I'm not sure there is now. We used to tell consumers: Call up, be nice, patient, persistent, and ask for a change. I have several consumers who have contacted me and said, I called up and said, why is this happening to me, and they reduced my limit even more.	i'm not. sure there is now we used to tell consumers: call up be nice patient persistent and ask for. a change. i have several consumers who have. contacted, me and, said i called up and said, why is this happening, to, me. and they reduced my limit even,	I'm, not sure there is now We, used to tell consumers: Call up be nice patient persistent and ask for a change I have several consumers, who have contacted me and. said I, called up and, said why is this happening to me and they reduced my limit even	i'm not sure there is now. we used to tell consumers: call up, be nice, patient, persistent, and ask for a change. i have several consumers who have contacted me and said, i called up and said, why is this happening to me, and they reduced my limit even more.
Well, Gail Hillebrand, thank you very much for talking to us. And I guess the message here is: As difficult as it is to wade through, read that fine print.	well. gail, hillebrand thank you very much for talking to us and i guess the message here is: as. difficult as it is to wade through read that fine	Well Gail Hillebrand thank. you very much for talking to us And I guess the message here is: As difficult as it is to, wade through read that fine,	well, gail hillebrand, thank you very much for talking to us. and i guess the message here is: as difficult as it is to wade through, read that fine print.
And keep your balances low, if you can.	and keep, your balances low if you	And keep your balances low if you	and keep your balances low, if you can.
Gail Hillebrand is a senior attorney at Consumers Union.	gail hillebrand is a senior attorney at consumers	Gail Hillebrand is a senior attorney at Consumers	gail hillebrand is a senior attorney at consumers union.
This is MORNING EDITION from NPR News. I'm John Ydstie, in for Steve Inskeep.	this is, morning edition from npr news i'm john ydstie in for steve	This is MORNING EDITION from NPR, News I'm John Ydstie in for, Steve	this is morning edition from npr news. i'm john ydstie, in for steve inskeep.
And I'm Renee Montagne.	and i'm renee	And I'm Renee	and i'm renee montagne.
Israeli planes are still bombing areas of Lebanon. Today's attacks killed dozens more Lebanese civilians. And more Hezbollah rockets fell on Haifa in northern Israel.	israeli planes are still bombing areas of lebanon today's attacks killed dozens, more lebanese civilians and more hezbollah rockets fell on haifa in northern	Israeli planes are still bombing areas of Lebanon Today's attacks killed dozens more Lebanese civilians And more Hezbollah rockets fell on, Haifa in northern	israeli planes are still bombing areas of lebanon. today's attacks killed dozens more lebanese civilians. and more hezbollah rockets fell on haifa in northern israel.
There are increased diplomatic efforts to stop the fighting, but as NPR's Eric Westervelt reports there's little prospect that those efforts will lead to a quick end to this latest conflict in the Middle East.	there are increased diplomatic efforts to stop the fighting but as npr's eric westervelt, reports there's little prospect that those; efforts will lead to a quick end. to, this latest conflict in the middle	There are increased diplomatic efforts to stop the fighting but as NPR's Eric Westervelt reports there's little prospect that those efforts will lead to a quick end to. this latest. conflict in the; Middle	there are increased diplomatic efforts to stop the fighting, but as npr's eric westervelt reports there's little prospect that those efforts will lead to a quick end to this latest conflict in the middle east.
Despite some early diplomatic maneuverings, there are few signs the fighting will stop anytime soon. Israeli Major General Udi Adam, head of the northern command, told Army radio yesterday that the air attacks had significantly degraded Hezbollah's fighting ability. But there's more fighting ahead, he said, adding, I think we should assume that it will take a few more weeks.	despite some early. diplomatic maneuverings there are few signs the fighting will stop, anytime soon israeli major general udi adam head. of the. northern command, told army radio yesterday that the air attacks had significantly, degraded hezbollah's fighting ability but; there's more fighting ahead, he said adding i think we should assume. that it will take a few. more,	Despite some early diplomatic maneuverings there are few signs the fighting will stop anytime soon. Israeli Major; General Udi Adam head of the northern command told Army radio yesterday; that the air, attacks had, significantly degraded Hezbollah's fighting ability But. there's more fighting ahead he said adding I, think. we should. assume that it will take a few, more	despite some early diplomatic maneuverings, there are few signs the fighting will stop anytime soon. israeli major general udi adam, head of the northern command, told army radio yesterday that the air attacks had significantly degraded hezbollah's fighting ability. but there's more fighting ahead, he said, adding, i think we should assume that it will take a few more weeks.
Shlomo Brom is a retired Brigadier General and the former head of strategic planning for the Israeli Army. He says the air war has inflicted far more damage on Hezbollah, particularly in the south, than is readily apparent.	shlomo brom is a, retired brigadier general and the former head of strategic planning for the israeli army he says the air war has inflicted far more damage on hezbollah particularly in the south than is readily	Shlomo Brom is a retired Brigadier General and, the former head of strategic planning for the Israeli Army He says the air war has inflicted far more damage on Hezbollah particularly in the south than is. readily	shlomo brom is a retired brigadier general and the former head of strategic planning for the israeli army. he says the air war has inflicted far more damage on hezbollah, particularly in the south, than is readily apparent.
You don't see the damage to Hezbollah. The media cannot see the rocket launching groups that are hunted and killed. And this kind of organization, that is a guerrilla organization, is consistent of many small groups of combatants that have to be intercepted, one by one, and killed. And it takes time.	you. don't see, the damage to hezbollah the media cannot see the rocket launching groups, that are hunted and killed and this. kind of organization that is a guerrilla organization is consistent. of many small groups. of combatants that; have to be intercepted one by one and killed and it takes	You don't see the damage to, Hezbollah The media cannot see the rocket launching groups that are. hunted and killed And this kind of organization that is a guerrilla organization is consistent of many small groups of combatants that have to be intercepted, one. by one and killed And it takes	you don't see the damage to hezbollah. the media cannot see the rocket launching groups that are hunted and killed. and this kind of organization, that is a guerrilla organization, is consistent of many small groups of combatants that have to be intercepted, one by one, and killed. and it takes time.
The civilian death toll in south Lebanon may be greater than current estimates. Reuters reports that 12 civilians including several children were killed in an overnight air strike in the southern village of Screfa(ph). More than 270 people, mostly civilians, have been killed in Lebanon so far. Twenty-six people have been killed in Israel, 13 of tem civilians.	the civilian death toll in south lebanon may be greater than current estimates reuters reports that 12 civilians including several, children were killed in an overnight air strike in the southern village of screfa(ph). more than 270 people mostly civilians. have been killed in lebanon so far, twenty-six people have been killed in israel 13 of tem	The civilian death toll in south Lebanon may be greater than current estimates. Reuters reports that 12 civilians including several children were killed in, an overnight air strike in the southern village of Screfa(ph). More than 270 people mostly civilians have been killed in Lebanon so far Twenty-six people have been killed in Israel 13 of tem	the civilian death toll in south lebanon may be greater than current estimates. reuters reports that 12 civilians including several children were killed in an overnight air strike in the southern village of screfa(ph). more than 270 people, mostly civilians, have been killed in lebanon so far. twenty-six people have been killed in israel, 13 of tem civilians.
As a person with a heart and with feelings, I empathize with her situation. But she got herself into this situation. And a lot of people don't ask themselves why is she being ordered deported? I think she snuck into the country twice.	as; a person with a heart and with feelings. i empathize with, her situation but; she got herself into this situation and a lot of people don't ask themselves why. is she being ordered deported? i think she snuck into the country	As a person with a heart and with feelings I empathize with her situation But she got herself, into this situation And, a lot of people. don't ask themselves. why is she, being ordered deported? I think she snuck into the country,	as a person with a heart and with feelings, i empathize with her situation. but she got herself into this situation. and a lot of people don't ask themselves why is she being ordered deported? i think she snuck into the country twice.
There was almost no decent security forces under Saddam Hussein, and the border police - some of the least efficient and most corrupt of all of them. The advisory units that are trying to make them an effective force aren't building from a very positive tradition.	there was almost no decent security forces under saddam hussein and the border police - some of the least efficient and most corrupt of all of them the advisory units that are trying to make them an. effective. force aren't building from a; very positive	There was almost no decent security forces under Saddam, Hussein and the border police - some of the least efficient and most corrupt of all of, them The advisory units that are, trying to make them an effective force, aren't, building from a very; positive	there was almost no decent security forces under saddam hussein, and the border police - some of the least efficient and most corrupt of all of them. the advisory units that are trying to make them an effective force aren't building from a very positive tradition.
And unfortunately, they're building from a tradition, rather than from scratch.	and unfortunately they're building from a tradition rather than from	And unfortunately. they're building, from a tradition rather than from	and unfortunately, they're building from a tradition, rather than from scratch.
Exactly - from the wrong tradition. They've got to overcome that to make them effective, and to get them to this point that's mentioned in the Iraq Study Group report - of making them competent enough to be able to conduct joint patrols, which is an ideal, with the neighboring countries.	exactly - from the wrong tradition they've got to overcome that to make them effective and to get, them to this point that's mentioned in the iraq study. group report - of making them competent enough to be able to conduct joint patrols which is an ideal with the neighboring,	Exactly - from. the wrong tradition They've got to overcome; that to make them effective and to, get. them to this point that's mentioned in the Iraq Study Group report - of making them competent enough to be able to conduct joint. patrols which is an ideal with the neighboring	exactly - from the wrong tradition. they've got to overcome that to make them effective, and to get them to this point that's mentioned in the iraq study group report - of making them competent enough to be able to conduct joint patrols, which is an ideal, with the neighboring countries.
Is it in the bordering countries' interests - and I'm thinking here of Iran and Syria, the more problematic ones - is it in their interests to cooperate with these joint patrols?	is it in the bordering countries' interests. - and i'm thinking here of iran and syria the more problematic ones. - is. it in their interests to cooperate with these joint	Is it, in the bordering countries' interests - and I'm thinking here of. Iran and Syria the more problematic ones. - is. it in their. interests to cooperate with; these joint	is it in the bordering countries' interests - and i'm thinking here of iran and syria, the more problematic ones - is it in their interests to cooperate with these joint patrols?
It could be made that way. Much has been made of what Iran's strategic interests in Iraq might be. And it had been thought at one time, that it would be very satisfied if there were an ongoing resistance that would bog down the American forces in particular in a long-term, low-grade counter-insurgency. But as the violence is mounting and the situation is deteriorating, border control becomes very important to keep that violence - and particularly violent crime from large organized criminal elements - from spilling over into neighboring countries.	it could be made that way much has been. made of what iran's strategic interests in iraq might be and it had been thought at one time that it, would be. very satisfied if there were an ongoing. resistance that would bog down the american forces in particular in a long-term low-grade counter-insurgency but as the violence is mounting and the situation is deteriorating border control becomes very, important to keep that violence - and particularly, violent crime from large organized criminal elements - from spilling over into neighboring	It could be made that way Much has been made of what Iran's, strategic interests in Iraq might be And it had been thought at one time that it would be very satisfied if, there. were an ongoing resistance that would bog down. the American forces in. particular in a long-term low-grade counter-insurgency But as the violence is mounting and the situation is deteriorating border control becomes very important to keep that violence - and particularly violent crime from large. organized criminal elements - from spilling over into neighboring	it could be made that way. much has been made of what iran's strategic interests in iraq might be. and it had been thought at one time, that it would be very satisfied if there were an ongoing resistance that would bog down the american forces in particular in a long-term, low-grade counter-insurgency. but as the violence is mounting and the situation is deteriorating, border control becomes very important to keep that violence - and particularly violent crime from large organized criminal elements - from spilling over into neighboring countries.
And how would a joint patrol look? I mean, these are two, obviously, sovereign countries, whichever pairings you have.	and how would, a joint patrol look? i mean these are two obviously sovereign. countries whichever pairings. you	And how would a, joint patrol look? I mean; these are. two obviously sovereign countries whichever pairings you	and how would a joint patrol look? i mean, these are two, obviously, sovereign countries, whichever pairings you have.
Well you can sort of think of it as neighbors that want to have a fence between their yards for all the, you know, for all the right reasons. Is it more economical for each neighbor to build a fence, so you actually have two fences that have to be maintained and supported, or to cooperate and agree this single fence is more reasonable? And so joint patrols help coordinate what's going on on both sides of the border.	well you can sort of think of it. as neighbors that want to have a fence. between their yards for all the you know for all the right reasons, is. it more economical for each neighbor to build a fence so you actually have two fences, that; have to be maintained and supported or to cooperate and agree this single, fence is more reasonable? and so joint patrols help coordinate what's, going on on both sides of the	Well you can sort. of think of it as neighbors that want to have a fence between their yards, for all the you know for all the right reasons Is it more economical for each neighbor to build a fence so you actually have two fences. that have to, be maintained and, supported or to cooperate and agree this, single fence is more reasonable? And so joint patrols help coordinate, what's going on on both sides of the	well you can sort of think of it as neighbors that want to have a fence between their yards for all the, you know, for all the right reasons. is it more economical for each neighbor to build a fence, so you actually have two fences that have to be maintained and supported, or to cooperate and agree this single fence is more reasonable? and so joint patrols help coordinate what's going on on both sides of the border.
Ultimately, how realistic is this particular proposal of the Iraq Study Group?	ultimately how realistic is this particular proposal of the iraq study	Ultimately how realistic is this particular proposal of the Iraq, Study	ultimately, how realistic is this particular proposal of the iraq study group?
This particular proposal, regarding control of borders, has to be made. It's essential to the idea of Iraq's sovereignty. It proposes the best ways to begin to gain control over their own borders and territory.	this particular proposal regarding control of borders has to be made it's essential to the idea of iraq's sovereignty it proposes the best ways to begin to gain control over their own borders and	This particular proposal regarding control of borders. has to, be made It's essential to the idea, of Iraq's sovereignty, It proposes the best ways to begin to gain control over their, own borders and	this particular proposal, regarding control of borders, has to be made. it's essential to the idea of iraq's sovereignty. it proposes the best ways to begin to gain control over their own borders and territory.
But practically speaking - from what you know of the level of skill and honesty of the existing Iraqi border police, and what you know of the countries around it - practically speaking, how realistic is this proposal?	but practically speaking - from what you know, of the. level of skill and honesty of the existing iraqi border police and what you know of the countries around it - practically speaking how realistic. is this	But practically speaking - from what you know of the level of skill and honesty of the existing, Iraqi border police. and what you know of the countries around it - practically speaking how realistic is this	but practically speaking - from what you know of the level of skill and honesty of the existing iraqi border police, and what you know of the countries around it - practically speaking, how realistic is this proposal?
It - like many of the proposals in the report, it is possible, given time. It would be wholly unreasonable to say that by calendar year 2008, the borders will be managed effectively. This is going to be an effort that will take five, or much more reasonably, 10 years to wholly implement. But it needs to be done. There is no quick way to do this.	it - like many of, the proposals in the report it is possible given, time it would be wholly unreasonable to say that by calendar year 2008, the borders will be. managed effectively this is going to be an effort that will take five or much more. reasonably. 10 years to wholly implement but it needs to be done there is no quick way to do	It - like many of the proposals in the report it. is possible given time It would be wholly unreasonable to say that, by calendar year 2008, the borders will be managed effectively This is going to be an effort that will take five or much more reasonably 10 years to wholly implement But it needs; to, be done There is no quick way to. do	it - like many of the proposals in the report, it is possible, given time. it would be wholly unreasonable to say that by calendar year 2008, the borders will be managed effectively. this is going to be an effort that will take five, or much more reasonably, 10 years to wholly implement. but it needs to be done. there is no quick way to do this.
Thank you very much for talking with us.	thank you very much for talking, with	Thank you very much for, talking with	thank you very much for talking with us.
Thank you, Renee.	thank you	Thank you	thank you, renee.
Kalev Sepp teaches at the Naval Postgraduate School in Monterey, California.	kalev sepp teaches at the. naval postgraduate school in monterey	Kalev Sepp teaches at the Naval Postgraduate. School in Monterey	kalev sepp teaches at the naval postgraduate school in monterey, california.