. ▁ ▁Ban ▁on ▁forms ▁of ▁universal ▁default ▁ ▁The ▁Cred it ▁Card ▁Account ability , ▁Res p ons ibility , ▁and ▁Dis closure ▁Act ▁of ▁ 2 0 0 9 ▁prohib ited ▁the ▁practice ▁of ▁retro act ively ▁raising ▁any ▁annual ▁percentage ▁rate , ▁fe es , ▁or ▁fin ance ▁charges ▁for ▁reasons ▁un related ▁to ▁the ▁card holder ' s ▁behavior ▁with ▁their ▁account . ▁One ▁of ▁the ▁intent ions ▁of ▁this ▁law ▁was ▁to ▁shield ▁customers ▁from ▁arbitrary ▁rate ▁increases ▁if ▁they ▁have ▁been ▁on ▁time ▁with ▁their ▁account . ▁▁ ▁However , ▁this ▁law ▁did ▁not ▁prohib it ▁all ▁forms ▁of ▁universal ▁default . ▁Cred it ▁card ▁companies ▁have ▁begun ▁the ▁practice ▁of ▁cancel ing ▁altogether ▁the ▁accounts ▁of ▁customers ▁who ▁are ▁del in quent ▁or ▁in ▁default ▁with ▁other ▁credit ▁ag encies ▁even ▁if ▁the ▁customer ▁is ▁still ▁in ▁good ▁standing ▁with ▁the ▁credit ▁card ▁company . ▁ ▁References ▁ ▁External ▁links ▁Front line : ▁Secret ▁History ▁of ▁the ▁Cred it ▁Card ▁ ▁Category : Fin an cial ▁services ▁in ▁the ▁United ▁States ▁Category : E th ically ▁disput ed ▁business ▁practices ▁Category : Cred it ▁card ▁termin ology <0x0A> </s> ▁Cont rab and its ▁is ▁a ▁ 1 9 6 7 ▁Australian ▁TV ▁series ▁about ▁the ▁work ▁of ▁the ▁custom s ▁department . ▁ ▁References ▁ ▁External ▁links ▁Cont rab and its ▁at ▁IMDb ▁Cont rab and its ▁at ▁Aust L it ▁Cont rab and its ▁at ▁Classic ▁Australian ▁TV ▁ ▁Category : Austral ian ▁Broadcast ing