Credit Guide

It goes without saying that your first and best defense against paying fraudulent or unfair charges on your credit card is knowing what your bill says! When you receive your credit card statement each month, sit down with it and check each item to make sure that you actually DID purchase it. If you do run into inaccuracies or problems, there are procedures to follow to report and deal with the charges. If you don't follow the procedure and the card company decides to notify a credit reporting agency, it could affect far more than just your balance on that one credit card.

Card Consolidation Credit Debt What are the most common billing problems and how should you deal with them?

Credit Union 1. Hey, I didn't buy that!

Impartial guide about credit card types available in the UK. Ensure you choose the right credit card type for you and save money with uSwitch.com

Merchant Credit Guide Co If you notice a charge on your credit card statement that you didn't make, take steps to deal with it IMMEDIATELY. It could be a store error - but it could be the first sign that someone else is using your identity. Heading off problems before they start is vital. Call your credit card company and report the charge that's in error - but don't leave it at that. Follow up with a written letter stating that you dispute the charge, and requesting that they investigate the situation. The credit card company has 45-60 days to complete their investigation and notify you of the result. During that time, they can not make any attempts to collect that amount from you, nor report you to a credit reporting agency because of it.

In the unlikely event unauthorized use of your credit card occurs, follow the reporting procedures defined by your credit card provider and contact us at sales@razorgator.com immediately. Most credit card companies cover all charges that result from unauthorized use of your credit card or may limit your liability to $50. the maximum liability allowed under the Fair Credit Billing Act. For additional information on the Fair Credit Billing Act, contact the Bureau of Consumer Protection or visit the Federal Trade Commission web site at www.ftc.gov.

Apply Online For Credit Card 2. Wait - I canceled that subscription!

To create an account, please provide your billing address as it appears on your credit card statement or the address you would like your Masseys Credit statement sent to.

By Card Credit Debt Debt Guide If you cancel a subscription for which you pay via credit card - to a magazine, a club or internet service provider for instance - it may take a month or two for the cancellation and 'chargeback' to show up on your credit card statement. Again, notify the credit card company that that account has been canceled and request that the charge be removed from the bill.

& renewal The Auto Renew feature will automatically renew your membership it isabout to expire. Your account will be renewed using the credit card you have on file on your &Billing History & Credit Card Info page. You can update your credit card information on your "Billing History & Credit Card Info" page so that you will always have a current credit card on file with us.

Credit Repair 3. My bill just doesn't add up right!

Active Credit Credit Guide They're rare, but mathematical and reporting mistakes do happen. If you notice a discrepancy on your bill between their reports and your receipts, write a letter to the credit card company - being sure to use the address for reporting credit card disputes. Include copies of both the bill and your receipts for the disputed charges.

Credit Score 4. I returned that dress!

Bad Car Credit Guide Loan Like a canceled subscription, it sometimes takes a billing cycle or two for charge-backs on returned items to appear on your credit card bill. Write to the credit card company and enclose copies of your return receipt, asking that the charge be removed from your bill.

Bad Credit Loan 5. What do you mean, there's a late fee?

Credit Definition Derivative Your best defense against late fees is to make sure you send your payment in plenty of time to reach the credit card company by posting date. Keep in mind that credit card companies date payments by date received and/or posted, not by date mailed. Because of the effect a late payment can have on your credit card billing and your credit history, though, it's sometimes worth a try to get them to 'take it back'. If you have evidence along the lines of a check cleared to your bank account before the payment was posted to your account - and it's before the late payment date, you can write to the credit card company and ask for a review of the charges.

Bad Credit Mortgage Joseph Kenny is the webmaster of the UK credit card comparison site http://www.creditcards121.com/, where you can find a selection of credit card advice that should help guide you through the credit card maze. For US visitors there is also the comparison site http://www.credit-cards-info.com/ for all US interest free offers.

The Insider Guide To Credit

Business Credit Card Joseph Kenny is the webmaster of the loan information site http://www.ukpersonalloanstore.co.uk. At the Personal Loan Store you can find some of the latest personal loans explained in detail.

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