The universal default feature allows creditors to periodically check cardholders' credit portfolios to see trade, allowing these different foundations to decrease as far as possible or increase rates on cardholders who may be late with another credit card issuer. Being late on one credit card will potentially affect all the cardholder's credit cards. The major credit card companies have been accused of targeting a more youthful audience, especially undergrads, many of whom are already paying off debtors with school educational cost expenses and school loans and who typically are less experienced at managing their very own finances.