Therefore, they had canceled her card under the universal default terms of her credit agreement.

FORBES: How To Avoid The Credit Card Nightmare of Universal Default

Even a late utility bill can trigger higher credit card rates through universal default.

FORBES: How To Avoid The Credit Card Nightmare of Universal Default

But the default position across the Scottish Parliament's parties has been to defend public services and universal provision as the top priority.

BBC: Taxing times for Scottish business