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Sunday, September 04, 2005

Chili's, Macaroni Grill want to hear from employees 

If you work at Chili's Grill & Bar or Romano's Macaroni Grill in Southeast Louisiana or South Mississippi, they would like to hear from you, provide you with information about your restaurant and help direct you to available resources. Friends and relatives of employees who can't call are urged to call in for them: toll free, (800) 717-2295. If they don't have phone service, they can also contact the manager of any open Chili's or Macaroni Grill. ...Any chance you could also stop by here with an order of Chili con Queso and some Baby Back Ribs?
-SG

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Your interest rate may dramatically increase if you make late payments. For example, some issuers will raise your interest rate to the maximum after one or two late payments. Consequently, your 12% credit card could quickly turn into a 25% credit card.
Your credit card issuer may also raise your interest rate after conducting a routine credit report review. If your overall credit history has deteriorated, the issuer may raise your interest rate, even though you've never made a late payment on the card in question.
The 25 day grace period only applies when you pay-off your entire balance due each month. If you only pay the minimum payment, interest is immediately accrued from the moment you charge something to your credit card. Some companies are also shortening the grace period to 20 days, and some cards have no grace periods.
Ignore offers to reduce or skip payments. These options are frequently offered over the holidays. When you skip a payment, the loan continues to accrue interest; therefore, these offers simply increase the overall interest and finance charges that the creditor collects. On a similar note, beware of offers of no payment/no interest for a period of time. Furniture stores, jewelry stores, and electronics stores frequently offer these programs. For example, no payment/no interest for 12 months!! This can be a good offer, but once again, read the fine print. Make sure you know the details of the program. Generally, you need to pay off the entire balance before the end of the "free" period to receive the benefit. Otherwise, you will probably have to pay interest on the entire balance from the date of your purchase

 
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Don Hammack

Don Hammack is a staff writer for the Sun Herald. He can be reached at KatrinaSunHerald@aol.com.

Sara Greer

Sara Greer is a news assistant for the Sun Herald.


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