When Congress first mandated that credit card issuers disclose their rates and fees prominently in a box, the promise was that it would empower consumers to shop around for the best terms and pressure issuers to drop their costs to compete. It hasn’t worked. Companies today force plenty of fees into
Clint Proctor is the founder of WalletWiseGuy.com, where he focuses on empowering students and millennials to achieve financial success. His expertise spans personal finance topics such as credit health, debt management, saving and investing, as well as insights into travel and tourism, particularly in consumer travel. Clint has been featured in Business Insider Nederland, Business Insider, and Forbes.













