“The Hidden Default Clause in Your Credit Card”

**Body:**

When you sign up for a credit card, you agree to a contract that outlines the terms of your account. This contract includes information about your interest rate, fees, and other charges. However, there is one clause that is often hidden in the fine print: the default clause.

The default clause gives your credit card company the right to change the terms of your account if you miss a payment. This could mean increasing your interest rate, charging you late fees, or even closing your account.

If you miss a payment on another loan or credit card, your credit card company may also use the default clause to change the terms of your account. This is because your credit card company is concerned that you may not be able to make your payments.

If your credit card company changes the terms of your account, it can have a negative impact on your credit score. A higher interest rate will make it more expensive to borrow money, and late payments will damage your credit history.

To avoid having your credit card company change the terms of your account, it is important to make all of your payments on time. If you do miss a payment, contact your credit card company as soon as possible to let them know. You may be able to work out a payment plan that will prevent your account from being turned over to collections.

**Here are some tips for avoiding the default clause:**

* Make all of your payments on time.

* Set up automatic payments so you never forget to make a payment.

* Keep track of your spending so you don't overspend.

* If you know you're going to be late on a payment, contact your credit card company as soon as possible.

By following these tips, you can help to avoid the default clause and protect your credit score.