Credit Cards – Mercy for Late Payment Due To Hospitalization?
Suppose that you have a credit card and a good rating. Suppose now that you are subjected to a car accident and you become hospitalized for two months. During this period you are incapacitated to the point that you are unable to communicate. Your credit card balance lapses. That is, you do not make your payment on your latest statement balance because you were incapacitated in the hospital. Will your credit card issuer zap you with a higher APR and late fees or shall you be afforded some kind of grace from the card issuer due to your hospitalization?

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What is the effective annual rate?
Suppose your credit card issuer states that it charges a 15.00% nominal annual rate. If you must make monthly payments, which amounts to monthly compounding, what is the effective annual rate?

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I have found evidence of credit card fraud, can I get the law involved?
I have found evidence of credit card fraud. I am in the UK. The evidence is in an email account that I have the login credentials to. In the account outbox this person has been sending credit card details to another email account, and the inbox has some emails leading to databases of stolen credit card numbers, but mainly the inbox is full of orders from online retailers, all the order details are for different names and credit card numbers, there are also many replies from retailers cancelling the transaction due to the credit card issuer denying the sale. The total amount of items purchased in this account with stolen CC details is in the thousands of pounds range. Now how I came across this evidence isn't a very honest story, it's silly really but I feel like it might have a big impact on what might happen next. My upstairs neighbours are very loud and often have parties until 4am which really annoys me, and in order to get revenge I was going to digitally sabotage some of their online social network accounts that they hold so dear. I know a great deal about network security and combined with the fact that one of them gave us their wifi network key at one point, sniffing their passwords off the wifi line was easy, once I had some logins I went snooping and this is when I came across the account in question. I have managed to track down the person, I have a name, real email account and facebook account tied to the person doing the fraud. Is there anything I or the law can do to prosecute this person given the situation? Why am I posting on here? Because although they are doing something very illegal I obtained the evidence by doing something illegal too. And I'd rather not lie to the police. I want to get this person but I don't want to get in trouble doing it

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