6 Things Credit Card Companies Don't Want You to Know 1) Your “fixed rate” isn't set in stone. “Fixed rate” sounds deceptively solid. ... 2) The “45 day notice” is misleading. ... 3)They profit from your loss. ... 4) They're (sometimes) willing to negotiate. ... 5) They like to sneak in fees. ... 6) They charge merchant processing fees. May 14, 2024