Quick Question I had a collection on my credit report which I have since paid in full(May 2004). If I am approved for a promotional APR credit card in the next few months, could that promotional APR be cut short due to that collection, under a universal default clause. In other words, does a universal default clause apply to late payments only after the credit card account is activated, or can it be applied retroactively, so to speak? Thx sb
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