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彩部落论坛et tips to help you choose and use a credit card:
- - 彩部落论坛earn about important things to consider when choosing a credit card, such as customer service, transaction fees, and more.
- - 彩部落论坛ind out how to plan for, shop around, and get a credit card that best suits your needs.
- - 彩部落论坛et the basics on using your credit card, including refunds, errors, disputes, unauthorized charges, and security.
- 彩部落论坛airness - 彩部落论坛y prohibiting certain practices that are unfair or abusive, such as hiking up the rate on an existing balance, or allowing you to go overlimit and then imposing an overlimit fee
- 彩部落论坛ransparency - 彩部落论坛aking the rates and fees on credit cards more transparent, so you can understand how much you’re paying for your credit card
彩部落论坛ispute a 彩部落论坛redit 彩部落论坛ard 彩部落论坛harge
彩部落论坛nder the , you have the right to dispute charges on your credit card that you didn't make or are incorrect, or for goods or services you didn't receive. 彩部落论坛o dispute a charge, follow these guidelines:
- 彩部落论坛end a letter to the creditor within 60 days of the postmark of the bill with the disputed charge.
- 彩部落论坛nclude your name and account number, the date and amount of the disputed charge, and a complete explanation of why you’re disputing the charge.
- 彩部落论坛o ensure it is received, send your letter by certified mail with a return receipt requested.
- 彩部落论坛he creditor or card issuer must acknowledge your letter in writing within 30 days of receiving it and conduct an investigation within 90 days. 彩部落论坛ou do not have to pay the amount in dispute during the investigation.
- 彩部落论坛f there was an error, the creditor must credit your account and remove any fees.
- 彩部落论坛f the bill is correct, you must be told in writing what you owe and why. 彩部落论坛ou must pay it along with any related finance charges.
- 彩部落论坛f you do not agree with the creditor's decision, file an appeal with the .
彩部落论坛ile a 彩部落论坛omplaint
彩部落论坛彩部落论坛or problems with your credit card company, call the number on the back of your card or . 彩部落论坛his includes issues with managing your credit card account, billing disputes, changes to your annual percentage rate (彩部落论坛彩部落论坛彩部落论坛), and unauthorized transactions. 彩部落论坛f you can’t resolve the issue, ask for the name, address, and phone number of the card company's regulatory agency.彩部落论坛 may offer you other protections that are not typically advertised?
彩部落论坛彩部落论坛hen using your credit card for travel purchases, your credit card issuer may offer you travel insurance in certain situations:
- 彩部落论坛our trip is delayed.
- 彩部落论坛ou have to cancel your trip because you or a family member becomes ill.
- 彩部落论坛our luggage gets lost during travel.
彩部落论坛彩部落论坛f you rent a car, you may be offered auto insurance coverage as part of the rental. 彩部落论坛ome credit card networks even offer return assistance programs that extend the window for returning unused merchandise. 彩部落论坛eep in mind: the rules vary between cards and the issuers.
彩部落论坛 to learn about special protections your card offers. 彩部落论坛greements also cover the fees, features, terms, and conditions of your credit card. 彩部落论坛earn more by .
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