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Many rules and regulations affect what credit card companies can and cannot do.
These governing principles have changed often throughout the years, with a significant amount of the regulatory adjustments being brought about by legal decree.
Cardholders earn a measly one point per dollar spent, while many other rewards cards offer 2 points per dollar (and don’t charge you nearly $500 a year, either).
And while we’ve seen many penalty interest rates that hover near the 30% mark, the Visa Black takes it over that threshold, with a default rate of 30.24%.
Retail cards with a Visa or Master Card affiliation are issued by a bank instead of the store's financing department.