Your Rights Under The Fair Credit Billing Act By: Rebecca Spitzer If you have ever received your credit card statement and found an error, you know how frustrating it can be. You either call the credit card company and they say you need to talk to the merchant. You call the merchant and they tell you to call the credit card company. Eventually, you might just pay the charge to make the problem go away and keep from paying interest on a purchase you didn’t make or one you returned. Today, the Fair Credit Billing Act makes sure that you don’t have to pay for something you didn’t buy. But the act also covers other billing errors that you should not have to be responsible for. This includes the billing for an item you returned or an item you never received or accepted. It also applies to billing that has the wrong date or amount of purchase. And if the credit card issuer makes a math mistake, you are covered as well. Finally, if the credit card company fails to send your statement to your current address, as long as they have been notified of this address in writing, the Fair Credit Billing Act will help you with the interest charged in the meantime. Basically, any item on your bill that you want explained or that you don’t recognize can be taken as a billing error under the new law. But in order to get the credit card company to take action under this law, you must notify them in writing of the error within sixty days of the issue date on your bill. Do not fax, email, or phone your complaint in. You must send a letter through US mail. In your letter, describe the problem as succinctly as possible. Avoid venting about how ridiculous the whole situation is. Simply state the facts, list your contact information, credit card number or account number, and sign and date the letter. Send it to the address for billing inquiries, and if possible, send it by certified mail. You will be notified when your letter is received. The credit card company must investigate your complaint and respond to you either with a refund or an explanation of why the charges are correct within two billing cycles, or ninety days. About the Author: Rebecca Spitzer recommends Find Credit Cards for finding a 0% credit card. See http://www.findcreditcards.org/type/0-apr.php for more information.

Inside Finance How To Maximizing Profits   You can maximizing your profits by minimizing your tax library. That is to say, when you sell your office for $100,000 more than you bought it for, you must pay the gains upon those earnings. The most important restriction is that only business property and investment property applies. Benefit Of Charity Credit Cards   The charity credit cards give lot of benefits. Various charities are making arrangements with different credit card companies in an effort to get funding for their cause. There are other card companies that you can use to assist others in need such as the Cancer Research card. Reach The Final Financial Security   Achieve the financial security helps to save your money. Advice on improving credit history and credit scores is also provided. Thus the large amount that goes to pay taxes is cut down with intelligent planning and forethought. Personal Loans-Made Easy   Nowadays making personal loans is more accessible through internet than to apply for it. We continue to borrow on loans and finance agreements, mainly because it is still very cheap to do so. When taking out a personal loan, borrowers are confronted with a plethora of offers from lenders. Tips On Mortgage Refinance   Tips for mortgage refinance is been discussed here. As we grow older, living expenses seem to increase drastically, it is for this reason a great number of elders choose to seek a reverse mortgage to provide help with these expenses. This option typically works well for those who have fully paid for their home, and have no mortgage upon it.