A NATIONAL CONSUMER LAW CENTER REPORT
CARDS BLEED CONSUMERS
LOW-CREDIT, HIGH-COST CARDS BLEED
A Report by the National Consumer Law Center
Rick Jurgens, Consumer Advocate
Chi Chi Wu, Staff Attorney
The authors would like to thank Carolyn Carter, Alys Cohen, and Lauren Saunders of NCLC for
valuable guidance, feedback, and editorial assistance in the preparation of this report. Svetlana Ladan
formatted the report and its graphics; Mallory SoRelle assisted with editorial support; and Nathanael
Player assisted with research. We also wish to thank for their assistance and support Liz Kosse, director
of the Navy-Marine Corps Relief Society in Bremerton, WA; Joseph DeCristopher, lawyer for North
Penn Legal Services in Sunbury, PA; Linda Sherry and Joe Ridout of Consumer Action; managing
attorney Linda Cook and attorney Karyn Leitzell of Southeastern Ohio Legal Services and attorney
Laura McDowall of Akron, Ohio.
This report was funded in part by the Ford Foundation. We thank them for their support but
acknowledge that the findings and conclusions presented in this report are those of the authors alone,
and do not necessarily reflect the opinions of the Foundation.
Copies of this report are available by downloading from NCLC’s web site at www.consumerlaw.org.
National Consumer Law Center is a non-profit organization with 37 years of working experience in consumer issues, especially those
affecting low-income consumers. NCLC works with and offers training to thousands of legal-service, government and private attorneys, as well as
community groups and organizations representing low-income and elderly people. Our legal manuals and consumer guides are standards of the field.
National Consumer Law Center, 77 Summer St., 10th Floor, Boston, MA 02110
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