I remember receiving my first credit card and thinking about how I could go out and buy anything I wanted and not pay until I got the bill.  The bill did come, along with a payment due date and an interest rate attached to any unpaid balance.  I realized if I didn’t pay my bill on time, suddenly that $25 bargain would end up costing me a lot more.

Around this time of the year when it gets nicer outside, the Inquiry team begins receiving more calls about direct sales contracts.  Why might this be so you ask?  Typically direct sales contracts are made when a salesperson comes to your home (uninvited) and sells you a good or service.  This however does not apply to sales under $50.  Picture a door to door vacuum cleaner salesperson or someone offering a lawn care service.