United States antitrust law is a collection of federal and state government laws, which regulates the conduct and organization of business corporations, generally to promote fair competition for the benefit of consumers.irst, since the Clayton Act 1914 Â§6, there is no application of antitrust laws to agreements between employees to form or act in labor unions. This was seen as the Bill of Rights for labor, as the Act laid down that the labor of a human being is not a commodity or article of commerce.
Zero percent introductory offers and minimum payments. One of the most common ways to lose a zero percent introductory offer is to fail to make a minimum payment on time. You have a great deal with your interest-free offer. But you still have to make timely minimum payments on the balance.
Strategy #1: Pay more than the minimum payment. If you carry the average credit card balance of $15,609, pay a typical 15% APR, and make the minimum monthly payment of $625, it will take you 13.5 years to pay it off. And thatâs only if you donât add to the balance in the meantime, which can be a challenge on its own. Whether youâre carrying credit card debt, personal loans, or student loans, one of the best ways to pay them down sooner is to make more than the minimum monthly payment.