The Advantages of Credit Cards

There are many immoralities associated with credit cards, but there are benefits that are hard to ignore. One benefit is having the credit card company enactment in your behalf to retrieve finances from a moot transaction. Under the Carnival Credit Charge Act the credit card company have to look into the difference and either return the charge off your measure or explicate why it is correct. Even better, you don't have got to pay the part of the credit-card measure or related to interest charges while the difference is being investigated.

The types of blling disputes/errors covered by the Carnival Credit Charge Act are:

Charges that listing the incorrect day of the month or amount.

Charges for commodity and services you didn't accept or weren't delivered as agreed.

Math errors.

Failure to post payments and other credits, such as as returns.

Unauthorized charges.

Before you challenge any of issues you must first reach the retail merchant and seek to settle down the dispute. If they disregard you, or the difference is not settled then reach the credit card company. Usually you need to have got your difference in authorship to the credit card company. The computer computer address for charge differences is different then the address to direct payments. The charge difference computer address can be establish on the dorsum of your monthly statement. If it cannot be found, phone call the credit card company's client service for the charge difference address. You usually only have got a certain number of years to difference the charge mistake so do certain you get off in your difference before the deadline.

If contacting the credit card company doesn't decide the dispute, you may reach the Office of the Accountant of the Currency's Customer Aid Group. Their website is http://www.occ.treas.gov/customer.htm and phone number is 800-613-6743.