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 It’s Always Christmas Time for Visa

HumorLaugh at Credit Card Ripoffs - Then Take Action

Email from Bob Fertik

Sometimes Republican outrages get so outrageous that you just have to laugh. That's what our friends at Consumers Union are doing - with a serious purpose of course.

Watch their funny holiday video…

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[From Consumers Union:]

As holiday shopping reaches its frenzied peak, we've launched a new and funny Christmas song --"Its Always Christmas Time (for Visa)!" -- about abusive practices by credit card companies.

Take a look, laugh and take action! Go to

Every Christmas, we pull out our credit cards to buy gifts for our friends and family. But, those credit cards can turn on us later: skyrocketing interest, late fees for bills mailed on time, low minimum payments that can bury us in interest.

Did you know that credit card contracts frequently contain something called a "universal default" clause that allows the card company to jack up your interest rate because you made a late payment on another card, looked into refinancing your mortgage, or made unusually big purchases? Its time for credit card reform!

Our funny song takes a light hearted approach to a serious problem, and we think you will enjoy it as much as we do. Share it with your friends, but also take a moment to then contact your legislators in support of credit card reform bills in Congress that will really help protect consumers.

The holiday season will come and go fast--and we hope to bring national attention to the problems people face and to these bills before the end of the year. If you enjoy the song, please tell your friends so they can take action too and add their voice to yours! We've created a special Santa holiday card you can send to them after you take action with a quick holiday greeting and a link to the song and action.

Thanks so much for your help!


Gail Hillebrand

Consumers Union
1535 Mission Street
San Francisco, CA 94103-251

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