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They can actually threaten you with court action and they might not be bluffing. It's not like friendship debt where you need to pay back. ) and even if the banks are gleefully hoping you pay penalties, etc, the flip side is they know there is a reasonable chance you can default. A very good article about the credit card number format can be found here: Anatomy of Credit Card Numbers As you can see below I get a lot of feedback about this page.Thanks to everyone who stops by to write a note, it is appreciated. It cost me 00 last time (in 1999 - those library fines were haunting my rating). Since 2007 I've rented four other apartments, had background checks run on me, and even leased two cars.

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Before you ask no I haven't got anyone's credit card details.

Instead take a look at some of the amusing feedback I have received by e-mail.

It's "I will do X, and if I don't satisfy my responsibility, you can do Y". And this is how banks make money: the difference between that 20% (give or take) and 0%. There's about a trillion dollars in credit card debt out there. They have 100 Ph Ds who have already modeled out how many people will default. Why would a hedge fund buy your debt once you start to default? They outsource to either collection agencies or law firms in your local area to collect from you. In 1994, collection agencies would call me and I would get scared.

Now the banks have to do their end of the contract. (but I'll get to that in a second...) By the way, the banks don't even care. They buy your debt for three cents on the dollar and they might, on average, collect eight cents on the dollar.

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I was an expert at solving Rubik's Cube when it first came out and was popular.

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