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The credit card issuer may extend an attractive offer that makes it worth your while to stay, such as waiving the annual fee for a year, lowering your interest rate or issuing bonus rewards.
Key takeaways. You can cancel a credit card application by calling or emailing the credit card company's customer service department — but you've limited time to act.
First, where a party to a contract exercises an express right of termination, he or she is sometimes said to have exercised a right to rescind the contract. Secondly, where a party is faced with a repudiation, the party can elect to terminate the contract; this too has often been referred to as an election to rescind. "Rescission" at common law.
An early termination fee (ETF) is a charge levied when a party wants to break the term of an agreement or long-term contract.They are stipulated in the contract or agreement itself, and provide an incentive for the party subject to them to abide by the agreement.
If you've got a credit limit of $10,000 across three cards, but are carrying balances that total $2,500, you've got a credit utilization ratio of 25%. It's good to keep this figure under 30%.
The Privy Council ruled in 1966 that a party who asserts "a genuinely held but erroneous view as to the effect of the contract" should not be treated as in repudiation, but in the case of Vaswani v Italian Motors, a car seller's conduct went beyond mere assertion of such an opinion, and in demanding more money for a sale than the agreed price ...