How To Dispute A Charge On Your Credit Card By: Jean Martin • You need to write to the creditor at the address shown on your statement for "billing inquiries. You must Include your name, address, account number, and a description of any errors. • Send your letter of dispute as soon as possible. It must reach the creditor within 60 days after the first bill containing the errors was mailed to you. The creditor has to acknowledge your complaint in writing within 30 days of receipt. At the latest, the dispute must be resolved within two billing cycles, but not more than 90 days. Unauthorized Charges. If your credit card is used without your permission, you could be held responsible for up to $50 per card. If you report the loss before the card is used, you can't be held responsible for any unauthorized charges. To minimize your liability, it is imperative that you report the loss as soon as possible. Most issuers have 24-hour toll-free telephone numbers to accept emergency information. If you have managed to notify your credit card company by telephone it's important that you follow-up with a letter which includes your account number, the date you noticed your card missing, and the date you reported the loss. If you have a dispute about merchandise or services. You can dispute charges for unsatisfactory goods or services. To do so, you must: • Have made the purchase in your home state or within 100 miles of your current billing address. The charge must be for more than $50. These limitations don't apply if the seller also is the card issuer or if a special business relationship exists between the seller and the credit card issuer. • First make a good faith effort to resolve the dispute with the seller. No special procedures are required to do so. If these conditions don't apply, you may want to consider filing an action in the Small Claims Court. About the Author: Jay Martin ic the new Financial Director of www.findcreditcardstoday.com and is dedicated to providing relevant information to people seeking the best way of choosing a credit card.

Inside Finance Credit Repair Companies - False Promises   To avoid the false promises of credit repair companies is must. Under certain circumstances, you are able get a free credit report without having to pay a credit repair company for it. Not only is this impossible, it is also against the law to have another social security number to your name. Home Impartiality Line Of Credit   Let's discuss about home impartiality of credit. The home equity line of credit, on the other hand, gives the borrower great flexibility. The amount of money is capped at a certain amount, but the borrower writes checks to use the money when they need it. Stock Market-Timing   For instance, in The Right Stocks at the Right Time, Larry Williams shows that the stock market has never lost money in years ending with 5 (1895, 1905,..., 1995 and probably 2005). However, he does not provide any explanation and I don’t see any, therefore I’m not comfortable using such signal in a Market Timing system.Rules should not be too complex. If they are, they’re likely the results of Data mining (adapting indicators so that they fit past stock market behaviors). Compare Term Life Insurance   Term life insurance consists of a few things that make your shopping relatively easy. Term life insurance means that there is a definite term or period of time that you are insured. The insurance coverage will cease at the end of the term period. Zero Percent Balance Transfers   Zero percent balance transfers may damage your health. Credit card debt is rising at an alarming rate and many people are now getting into serious financial difficulties. Then something happens, an unexpected bill, or a wedding or birthday gift I've forgotten about.