which credit card has the universal default clause.?

Answer 1

I don't know why people are so worried about this. Just don't make late payments. Late payments are ALWAYS bad whether your interest rates go up or not because they lower your credit score. Just pay at least the minimum on time and you'll be fine. I really don't see the problem, it's not *that* hard to put money towards your credit card each time you get paid (for me it's bi-weekly).

Answer 2

Cahse did but I beleive they are now retracting it after some investigation by congress.