内容摘要：Trader Robert Arciero, right, works on the floor of the New York Stock Exchange, Tuesday, May 27, 2025. (AP Photo/Richard Drew)

Trader Robert Arciero, right, works on the floor of the New York Stock Exchange, Tuesday, May 27, 2025. (AP Photo/Richard Drew)

You may also want to consider making payments on your credit card balances during the month. That means you’ll have paid more of the balance by the time the amount comes due, and keeping your balance low relative to your credit limit can improve your credit score.If you’re having trouble making ends meet, you can ask your credit issuers about hardship programs. These are typically available to people affected by job loss, illness or medical conditions, natural disasters, or other emergencies.

Concerned that credit card companies were building a business model based on high penalties, Congress passed the Credit Card Accountability Responsibility and Disclosure Act of 2009 (CARD Act), which banned the companies from charging excessive late fees and established clearer disclosures and consumer protections.In 2010, the Federal Reserve Board of Governors voted to issue a regulation implementing the CARD Act, which said that banks could only charge fees to recover costs associated with late payment.However, the rule included an “immunity provision” that let some banks charge $25 for the first late payment and $35 for subsequent late payments, adjusted for inflation each year. Those amounts subsequently grew to $30 and $41.

After a review of market data, the CFPB finalized a rule that would have capped late fees at $8 and ended automatic inflation adjustments. Based on records analyzed by the CFPB, a late fee of $8 would be sufficient for card issuers, on average, to cover collection costs incurred as a result of late payments.Industry groups, including the Consumer Bankers Association, American Bankers Association, the U.S. Chamber of Commerce, and others, said they welcomed the court’s decision eliminating the cap.

The groups said that the rule would have led to higher interest rates and reduced credit access for card holders. The groups also said the rule would have “reduced important incentives for consumers to manage their finances.”

The CFPB has estimated that banks bring in roughly $14 billion in credit card late fees a year.Carbon-14 analysis helped date the bones to between 80 and 130 A.D. That was cross-checked against known history of relics found in the grave – armor, helmet cheek protectors, the nails used in distinctive Roman military shoes known as caligae.

The most indicative clue came from a rusty dagger of a type in use specifically between the middle of the 1st century and the start of the second.The research continues: Only one victim has been confirmed as a Roman warrior. Archaeologists hope DNA and strontium isotope analysis will help further identify the fighters, and whose side they were on.

“The most likely theory at the moment is that this is connected to the Danube campaigns of Emperor Domitian — that’s 86 to 96 A.D.,” Adler-Wölfl said.City archaeologists said the discovery also reveals the early signs of the founding of a settlement that would become the Austrian capital of today.