Credit Card Relief, Credit Counseling

Debt ratio crushes responsible reader (Ventura County Star)

Dear Bruce: I noticed last summer that my interest rates on my credit cards shot up. When I called the company, they said it was because of my income-to-debt ratio, which has to do with my student loans that I’m still paying off. I have always been on time with paying all of my bills, so why am I being penalized? — S.P., via e-mail.Dear S.P.: Lenders are concerned about a number of things …