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  • Lowering your APR might be easier than you think | NJPIRG
    below I spoke to a supervisor at Chase who informed me that they are not currently negotiating APRs and was unsuccessful in lowering my interest rate My coworker who has Discover called and had better success He started out with 19 percent APR When he called he was offered a permanent APR of 16 percent and even better a yearlong promotion of 3 2 percent APR He took this yearlong rate much lower than his previous rate and will call back one year from now to renegotiate before it jumps back up to 19 percent As he put it I was surprised by how easy it was to lower my APR I thought I was missing something but no it s actually just really easy if you make the call Regardless of the outcome there s no harm in calling to try to lower your APR Most credit card companies are very competitive and customers hold more power than they might think While it is always best to pay off your credit card balance in full or as much as you can afford a lower APR means you pay less interest If you have more than one card make your biggest payments on the cards with the lowest APRs If you pay only the minimum payment you are running on a debt treadmill the bank wins and you lose From our study the following factors played a role in successfully negotiating APR Length of time with a particular card longer is better Credit limit on that card a higher limit is better Unpaid balance to limit ratio on that card how maxed out the cardholder is a lower balance making a lower ratio is better Unpaid balance to limit ratio on all cards a lower balance is better Number of times an individual missed or paid late on a loan or a card other than the one for which they were calling fewer is better Here is a sample script you can use to try this out Do you have the authority to change my interest rate If the answer is no simply ask May I speak to someone who can Your supervisor perhaps Thank you Hi my name is I ve been a good customer of current credit card company for number of years but my APR is too high I have offers of x from competing credit card company A and y from competing credit card company B I ve had a good experience with you but I m considering switching I would like to have my APR lowered Can you can lower my interest rate Could you reduce the interest rate on my account to percent If they offer you just a point lower but don t get you to your target rate say Can you do any better If it s the best that they can do move on to the next step talking to a supervisor 1 Nerd Wallet American Household Credit Debt Study 2015

    Original URL path: http://njpirg.org/blogs/blog/usp/lowering-your-apr-might-be-easier-you-think (2016-04-29)
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  • NJPIRG | Standing Up To Powerful Interests
    expenses Keep Reading News Release NJPIRG Health Care Gov Christie s Veto Means More Delays for Health Reform Gov Christie vetoed legislation today that would have created a health insurance exchange in New Jersey Keep Reading News Release NJPIRG Law Policy Center Budget Tax IT S TIME TO LISTEN TO MAIN STREET NOT WALL STREET TRENTON December 6th With Congress scrambling to agree on ways to reduce the deficit NJPIRG and the NJ Main Street Alliance joined with New Jersey small business owners today urging Congress and the President to listen to the needs of small businesses in ongoing debates over the fate of the Bush tax cuts and corporate tax loopholes The groups were supported in their push for more equitable individual and corporate taxation by Congressman Frank Pallone Jr NJ 06 Keep Reading Pages first previous 9 10 11 12 13 14 15 16 17 next last Report NJPIRG Law and Policy Center Budget Transportation Caution Red Light Cameras Ahead Privatized traffic law enforcement systems are spreading rapidly across the United States As many as 700 local jurisdictions have entered into deals with for profit companies to install camera systems at intersections and along roadways to encourage drivers to obey traffic signals and follow speed limits Keep Reading Report NJPIRG Law and Policy Center Health Care Making the Grade When it comes to health care there are few magic bullet solutions for the many problems consumers face in the marketplace insurers don t compete for their business leading to higher prices and lower quality Important information about coverage is buried in the fine print making it hard to know what s really covered or which plan is right And costs are continuing their unsustainable rise Keep Reading Report NJPIRG Law and Policy Center Budget Tax Increment Financing Tax increment financing TIF has been a widely used tool for municipalities seeking private investment TIF allows cities and towns to borrow against an area s future tax revenues in order to invest in immediate projects or encourage present development When used properly TIF can promote enduring growth and stronger communities for blighted neighborhoods but TIF can also end up wasting taxpayer resources or channeling money to politically favored special interests Keep Reading Report NJPIRG Law and Policy Center Budget Food Health Care Apples to Twinkies The rise in childhood obesity has many causes but one of the most important is the increased prevalence of high fat heavily sweetened junk food And shockingly American taxpayers are spending billions to subsidize junk food ingredients making the problem worse Keep Reading Report NJPIRG Budget Toward Common Ground To break through the ideological divide that has dominated Washington this past year and offer a pathway to address the nation s fiscal problems the National Taxpayers Union and U S PIRG joined together to identify mutually acceptable deficit reduction measures This report documents our findings Keep Reading Pages first previous 8 9 10 11 12 13 14 15 16 next last Blog Post Higher Ed

    Original URL path: http://njpirg.org/home?page=12 (2016-04-29)
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  • About NJPIRG | NJPIRG
    stop overusing antibiotics and should push its partner brands KFC and Pizza Hut to have stronger commitments as well Keep Reading News Release U S PIRG Education Fund Consumer Protection Make VW Pay Leading Groups Send Criteria for Evaluating VW Settlement Four leading consumer environmental and public health organizations wrote an open letter in advance of the April 21 st deadline set by U S District Judge Charles R Breyer for a proposal that deals with Volkswagen s emission scandal Keep Reading Video Blog Consumer Protection John Oliver Takes Aim At Credit Reports In Last Week Tonight Last Week Tonight with John Oliver explained how credit reports play a surprisingly large role in our lives but even more surprising is how often they contain critical mistakes John Oliver helps credit bureaus see why this is a problem and that Judy still hasn t been able to resolve her mixed up identity Keep Reading Pages 1 2 3 4 5 6 7 8 9 next last News Release U S PIRG Education Fund Consumer Protection Make VW Pay Transportation Framework for VW Settlement Announced Statement by Mike Litt Consumer Program Advocate at U S PIRG Education Fund on todays announced VW settlement For more details on what a strong settlement agreement ought to look like please see the open letter that we released earlier this week with other consumer and environmental groups Keep Reading News Release U S PIRG Public Health Food Taco Bell Moves Away From Chicken Raised on Medically Important Antibiotics Taco Bell will no longer serve chicken raised on medically important antibiotics in U S locations starting in 2017 The announcement was included in a release from Taco Bell s parent company Yum Brands and comes amid widespread consumer demand and concern from the medical community about the overuse of antibiotics on livestock and poultry Taco Bell s announcement will put major market pressure on the meat industry to stop overusing antibiotics and should push its partner brands KFC and Pizza Hut to have stronger commitments as well Keep Reading News Release U S PIRG Education Fund Consumer Protection Make VW Pay Leading Groups Send Criteria for Evaluating VW Settlement Four leading consumer environmental and public health organizations wrote an open letter in advance of the April 21 st deadline set by U S District Judge Charles R Breyer for a proposal that deals with Volkswagen s emission scandal Keep Reading News Release U S PIRG Consumer Protection The Department of Labor Fiduciary Rule for Investment Advice U S PIRG federal legislative director Jerry Slominski on The Release of the Department of Labor Fiduciary Rule for Investment Advice Keep Reading News Release U S PIRG Consumer Protection Financial Reform More Than 100 Groups Insist on No Riders in Spending Legislation The day before the White House is expected to release its fiscal year 2017 budget proposal a coalition of more than 100 groups including U S PIRG sent a letter calling on President Barack Obama and all 535

    Original URL path: http://njpirg.org/njp/about (2016-04-29)
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  • All Issues | NJPIRG
    Care Making Health Care Work Now the fight for health care reform is in Trenton and so are the health care industry s lobbyists At stake is how we set up a new insurance marketplace in New Jersey the single biggest tool we have to clean up health care Read more about Making Health Care Work Issue Financial Reform Reining in Wall Street We re fighting for a financial regulatory system that guarantees consumers and taxpayers are protected from the predatory practices at the heart of this problem Read more about Reining in Wall Street Issue Stop Highway Boondoggles More and more of us are moving off the roads Yet we re still spending billions to expand roads and build new highways every year even as other needs from expanding public transportation to critical bridge repairs go unmet Across the country there are countless proposed highway projects that are not just expensive they re outright boondoggles We need your help to stop them Read more about Stop Highway Boondoggles Issue Stop The Overuse Of Antibiotics on Factory Farms The Centers for Disease Control and Prevention estimates that at least 23 000 Americans die every year from antibiotic resistant bacteria and warns that the widespread overuse of antibiotics on factory farms is putting our health at risk Read more about Stop The Overuse Of Antibiotics on Factory Farms Issue Public Health Consumer Protection Safe Energy Solid Waste Toxic Free Communities Read more about Toxic Free Communities Search form Search About Issues Stop the Overuse Of Antibiotics Stop the Highway Boondoggles Democracy For The People Label GMO Foods Making Health Care Work Protecting Consumers Toxic Free Communities Reining in Wall Street Act Now Jobs Donate Newsroom Resources Reports Get our RSS feed Our Affiliates Our Sister c 3 Are you a student

    Original URL path: http://njpirg.org/issues (2016-04-29)
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  • Stop The Overuse Of Antibiotics on Factory Farms | NJPIRG
    earlier this week with other consumer and environmental groups Keep Reading News Release U S PIRG Public Health Food Taco Bell Moves Away From Chicken Raised on Medically Important Antibiotics Taco Bell will no longer serve chicken raised on medically important antibiotics in U S locations starting in 2017 The announcement was included in a release from Taco Bell s parent company Yum Brands and comes amid widespread consumer demand and concern from the medical community about the overuse of antibiotics on livestock and poultry Taco Bell s announcement will put major market pressure on the meat industry to stop overusing antibiotics and should push its partner brands KFC and Pizza Hut to have stronger commitments as well Keep Reading News Release U S PIRG Education Fund Consumer Protection Make VW Pay Leading Groups Send Criteria for Evaluating VW Settlement Four leading consumer environmental and public health organizations wrote an open letter in advance of the April 21 st deadline set by U S District Judge Charles R Breyer for a proposal that deals with Volkswagen s emission scandal Keep Reading Video Blog Consumer Protection John Oliver Takes Aim At Credit Reports In Last Week Tonight Last Week Tonight with John Oliver explained how credit reports play a surprisingly large role in our lives but even more surprising is how often they contain critical mistakes John Oliver helps credit bureaus see why this is a problem and that Judy still hasn t been able to resolve her mixed up identity Keep Reading Pages 1 2 3 4 5 6 7 8 9 next last News Release U S PIRG Education Fund Consumer Protection Make VW Pay Transportation Framework for VW Settlement Announced Statement by Mike Litt Consumer Program Advocate at U S PIRG Education Fund on todays announced VW settlement For more details on what a strong settlement agreement ought to look like please see the open letter that we released earlier this week with other consumer and environmental groups Keep Reading News Release U S PIRG Public Health Food Taco Bell Moves Away From Chicken Raised on Medically Important Antibiotics Taco Bell will no longer serve chicken raised on medically important antibiotics in U S locations starting in 2017 The announcement was included in a release from Taco Bell s parent company Yum Brands and comes amid widespread consumer demand and concern from the medical community about the overuse of antibiotics on livestock and poultry Taco Bell s announcement will put major market pressure on the meat industry to stop overusing antibiotics and should push its partner brands KFC and Pizza Hut to have stronger commitments as well Keep Reading News Release U S PIRG Education Fund Consumer Protection Make VW Pay Leading Groups Send Criteria for Evaluating VW Settlement Four leading consumer environmental and public health organizations wrote an open letter in advance of the April 21 st deadline set by U S District Judge Charles R Breyer for a proposal that deals with Volkswagen s emission scandal

    Original URL path: http://njpirg.org/issues/njp/stop-overuse-antibiotics-factory-farms-0 (2016-04-29)
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  • Stop Highway Boondoggles | NJPIRG
    other consumer and environmental groups Keep Reading News Release U S PIRG Public Health Food Taco Bell Moves Away From Chicken Raised on Medically Important Antibiotics Taco Bell will no longer serve chicken raised on medically important antibiotics in U S locations starting in 2017 The announcement was included in a release from Taco Bell s parent company Yum Brands and comes amid widespread consumer demand and concern from the medical community about the overuse of antibiotics on livestock and poultry Taco Bell s announcement will put major market pressure on the meat industry to stop overusing antibiotics and should push its partner brands KFC and Pizza Hut to have stronger commitments as well Keep Reading News Release U S PIRG Education Fund Consumer Protection Make VW Pay Leading Groups Send Criteria for Evaluating VW Settlement Four leading consumer environmental and public health organizations wrote an open letter in advance of the April 21 st deadline set by U S District Judge Charles R Breyer for a proposal that deals with Volkswagen s emission scandal Keep Reading Video Blog Consumer Protection John Oliver Takes Aim At Credit Reports In Last Week Tonight Last Week Tonight with John Oliver explained how credit reports play a surprisingly large role in our lives but even more surprising is how often they contain critical mistakes John Oliver helps credit bureaus see why this is a problem and that Judy still hasn t been able to resolve her mixed up identity Keep Reading Pages 1 2 3 4 5 6 7 8 9 next last News Release U S PIRG Education Fund Consumer Protection Make VW Pay Transportation Framework for VW Settlement Announced Statement by Mike Litt Consumer Program Advocate at U S PIRG Education Fund on todays announced VW settlement For more details on what a strong settlement agreement ought to look like please see the open letter that we released earlier this week with other consumer and environmental groups Keep Reading News Release U S PIRG Public Health Food Taco Bell Moves Away From Chicken Raised on Medically Important Antibiotics Taco Bell will no longer serve chicken raised on medically important antibiotics in U S locations starting in 2017 The announcement was included in a release from Taco Bell s parent company Yum Brands and comes amid widespread consumer demand and concern from the medical community about the overuse of antibiotics on livestock and poultry Taco Bell s announcement will put major market pressure on the meat industry to stop overusing antibiotics and should push its partner brands KFC and Pizza Hut to have stronger commitments as well Keep Reading News Release U S PIRG Education Fund Consumer Protection Make VW Pay Leading Groups Send Criteria for Evaluating VW Settlement Four leading consumer environmental and public health organizations wrote an open letter in advance of the April 21 st deadline set by U S District Judge Charles R Breyer for a proposal that deals with Volkswagen s emission scandal Keep Reading News Release

    Original URL path: http://njpirg.org/issues/njp/stop-highway-boondoggles (2016-04-29)
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  • Democracy For The People | NJPIRG
    in Congressional Primaries Our analysis of fund raising data from 2014 s congressional primaries examines the way these dynamics are playing out state by state across the country While some states show markedly more inequity than others the picture painted by the data is of a primary money race where large donors carry more weight than ordinary Americans Nationwide just under two thirds of all candidate contributions came from the largest donors those giving over 1 000 And fewer than 5 500 large donors matched the primary contributions coming from at least 440 000 donors nationwide Keep Reading News Release NJPIRG Democracy TODAY SUPREME COURT RULED FOR ANOTHER FLOOD OF BIG MONEY Today the U S Supreme Court ruled in McCutcheon v FECto strike down overall or aggregate contribution limits to candidates and political committees NJPIRG research found that this ruling could bring 1 billion in additional campaign contributions from fewer than 2 800 elite donors through the 2020 election cycle Keep Reading News Release NJPIRG Democracy ON DAY OF ORAL ARGUMENT IN MCCUTCHEON V FEC GROUPS GATHER TO PUSH BACK ON BIG MONEY IN POLITICS DEMAND SOLUTIONS NJPIRG the New Jersey Sierra Club Main Street Alliance and citizen activists from across the state gathered at the State House today to push back on the power of big money in elections as the U S Supreme Court heard oral arguments in McCutcheon v FEC Advocates say the case would further increase the electoral clout of a few large donors Keep Reading Pages 1 2 3 4 5 6 7 next last News Release NJPIRG Law Policy Center Democracy Big Money Playing an Outsized Role in New Jersey Elections In New Jersey s congressional primaries bigger wallets give a small set of mega donors an outsized voice according to new information released today by NJPIRG Law and Policy Center and Demos Just 383 donors who gave 1 000 or more to candidates in the primaries outspent the at least 6 871 small donors who gave less than 200 and 66 percent of all candidate contributions came from donors giving chunks of 1 000 or more Keep Reading News Release NJPIRG Democracy TODAY SUPREME COURT RULED FOR ANOTHER FLOOD OF BIG MONEY Today the U S Supreme Court ruled in McCutcheon v FECto strike down overall or aggregate contribution limits to candidates and political committees NJPIRG research found that this ruling could bring 1 billion in additional campaign contributions from fewer than 2 800 elite donors through the 2020 election cycle Keep Reading News Release NJPIRG Democracy ON DAY OF ORAL ARGUMENT IN MCCUTCHEON V FEC GROUPS GATHER TO PUSH BACK ON BIG MONEY IN POLITICS DEMAND SOLUTIONS NJPIRG the New Jersey Sierra Club Main Street Alliance and citizen activists from across the state gathered at the State House today to push back on the power of big money in elections as the U S Supreme Court heard oral arguments in McCutcheon v FEC Advocates say the case would further increase the

    Original URL path: http://njpirg.org/issues/njp/democracy-people (2016-04-29)
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  • Label GMO Foods | NJPIRG
    Keep Reading News Release U S PIRG Public Health Food Taco Bell Moves Away From Chicken Raised on Medically Important Antibiotics Taco Bell will no longer serve chicken raised on medically important antibiotics in U S locations starting in 2017 The announcement was included in a release from Taco Bell s parent company Yum Brands and comes amid widespread consumer demand and concern from the medical community about the overuse of antibiotics on livestock and poultry Taco Bell s announcement will put major market pressure on the meat industry to stop overusing antibiotics and should push its partner brands KFC and Pizza Hut to have stronger commitments as well Keep Reading News Release U S PIRG Education Fund Consumer Protection Make VW Pay Leading Groups Send Criteria for Evaluating VW Settlement Four leading consumer environmental and public health organizations wrote an open letter in advance of the April 21 st deadline set by U S District Judge Charles R Breyer for a proposal that deals with Volkswagen s emission scandal Keep Reading News Release U S PIRG Consumer Protection The Department of Labor Fiduciary Rule for Investment Advice U S PIRG federal legislative director Jerry Slominski on The Release of the Department of Labor Fiduciary Rule for Investment Advice Keep Reading News Release U S PIRG Consumer Protection Financial Reform More Than 100 Groups Insist on No Riders in Spending Legislation The day before the White House is expected to release its fiscal year 2017 budget proposal a coalition of more than 100 groups including U S PIRG sent a letter calling on President Barack Obama and all 535 members of Congress to oppose any federal appropriations bill that contains ideological policy riders Keep Reading Pages 1 2 3 4 5 6 7 8 9 next last Report NJ PIRG Law Policy Center Consumer Protection Trouble in Toyland 2015 For 30 years NJ PIRG Law Policy Center has conducted an annual survey of toy safety which has led to over 150 recalls and other regulatory actions over the years and has helped educate the public and policymakers on the need for continued action to protect the health and wellbeing of children Keep Reading Report U S PIRG Education Fund Consumer Protection Why You Should Get Security Freezes Before Your Information is Stolen Here are tips for preventing ID theft and using a security freeze How To Avoid Identity Theft How To Use a Security Freeze Keep Reading Report US PIRG Education Fund Consumer Protection Mortgages and Mortgage Complaints Our sixth report analyzing complaints in the CFPB s Public Consumer Complaint Database evaluates mortgage complaints the number one source of complaints to the CFPB totaling 38 of nearly 500 000 complaints posted since 2011 Keep Reading Report NJPIRG Law Policy Center Consumer Protection Trouble in Toyland 2014 Among the toys surveyed this year we found numerous choking hazards and five toys with concentrations of toxics exceeding federal standards In addition to reporting on potentially hazardous products found in stores in 2014

    Original URL path: http://njpirg.org/issues/njp/label-gmo-foods (2016-04-29)
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