| http://www.w3.org/ns/prov#value | - A payment could not be deemed late unless the borrower is given a reasonable period of time, such as 21 days, to pay; -Unfairly allocating payments among balances with different interest rates; - Unfairly raising annual percentage rates on outstanding balances; -Placing too-high fees for exceeding the credit limit solely because of a hold placed on the account; -Unfairly computing balances; -Unfai
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