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Credit Cards
Information for consumers about using credit cards: getting a credit card, maintaining a balance, understanding credit billing, and knowing about the different types of available credit. This section includes warnings about common credit card issues.
Obtaining a Credit Card.
- Choosing a Credit Card
Cardweb.com and Bankrate.com allow consumers to search among hundreds of cards offered by small and large banks to find the best deal and avoid credit card pitfalls.
- Applying for Credit
Information on understanding the "fine print" on credit applications, protecting against identity theft, and improving a credit rating.
- Credit for Older Consumers
Specific information relating to credit issues for individuals over age 62, including establishing a credit history, applying for credit, and identifying discriminatory credit practices.
Maintaining a Credit Card
- General Billing Errors
A self-help guide, including sample letters to credit agencies, for identifying and correcting billing errors.
- Avoid Credit and Charge Card Fraud
A how-to guide on avoiding and reporting credit card fraud.
- Erroneous Charges*
What to do when your credit card has been billed for merchandise you have not purchased. Includes advice on disputing charges and a sample letter to a credit card company.
- Stolen Credit, Debit, and ATM Cards
Step-by-step procedures for minimizing the risk of lost or stolen cards and how to report loss or theft.
- Credit and Debit Card Blocking
An explanation of credit card "blocking" and how to avoid it.
- Credit Card Loss Protection Offers
Information about avoiding this common scheme.
- Credit and Divorce
Information relating to specific credit issues affecting divorcing couples, including managing joint accounts and avoiding common pitfalls.
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