Question: How do you dispute a credit card charge?

Answer: Issuers must follow rules for promptly addressing a credit card dispute. You'll get a statement outlining their rules for correcting billing errors when you open an account and at least once a year. In fact, many issuers include a summary of these rights

Question: How does the credit card refund process work?

Answer: When you return a product that was payed for a credit card, it is reguired that the merchant send the credit to the credit card company, you never recieve cash back.

Question: Do you need credit card insurance?

Answer: According to the Federal Trade Commission: Don't buy "loss protection" credit card insurance. Telephone scam artists are lying to get people to buy worthless loss protection and credit card insurance programs. If you didn't authorize a charge, don't pay i

Question: Does cancelling a credit card you haven't used in a while lower your credit rating?

Answer: Tthe length you've had a card does help your credit score. that's why they say to keep the old ones. plus your ratio of available credit to your balance is important.

Question: Can you lose your house for non-payment of a credit card?

Answer: It is very unlikely they will or even can take your home. This is very true if you have a morgage on the home, first they would have to pay off the lender on your home then forclose, under most conditions they can't forclose as long as you pay the lender

Question: If a credit card company writes off a debt can you still be sued by a collection agency?

Answer: Yes! at least in my case where your identity has been stolen/used by your (ex) husband. and you will need to be able to prove credit cards fraud ( which takes years from your life "in more ways then one" to accomplish. the important laws/discoveries are b

Question: How should you choose a student credit card?

Answer: If your student credit card uses different rates for purchases, transfers, and cash advances, realize that the credit card company may pay the lower interest rate balance first. Consequently, if you carry a balance, your high-rate cash advance may not be

Question: Should you get a secured credit card?

Answer: Secured credit cards can be an effective way to build or re-establish your credit history. However, some marketers of secured cards make deceptive advertising claims to entice you to respond to their ads. Here are some things you may wish to keep in mind.

Question: Should you pay third-party collection agencies for your charged-off credit cards?

Answer: You will find more benefits dealing directly with the creditor than the collection agency. If you pay the original creditor, this would eliminate the having two negative entries on your credit report. The collection agency is just a middle man who will ge

Question: How do you stop random credit card inquiries like the ones who send credit card applications in the mail saying 'you've been pre-approved based on your credit rating'?

Answer: Here is advice: - The Fair Credit Reporting Act also entitles you to contact each or all of the major credit bureaus (and Innovis, a fourth credit bureau) and request them to stop sending you card solicitations and related offers. For more information,