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Credit Cards: Knowing Your Privileges

Aug 22, 2008
We are living difficult times, nobody would argue with the higher rates of delinquency, for that reason people are not comfortable with having cash in their bags anymore. When they go shopping, they use their credit card to pay for everything that they want to buy. Credit cards are in some ways better and safer to use than cash.

Given that you have been using your credit card for a number of years now, do you know that you are provided with certain privileges as its user? If you do not know anything about it, then it is time you teach yourself about these rights. For instance:

1. If you buy a damaged product using your credit and the company refuses to replace it with a new one, you can have an option. You can either refuse to pay for it or you can stop the payment on your credit card and file a dispute.

2. If you find errors on your periodic account, the law will grant you a way to correct these.

3. If you lost your credit card or if it was stolen from you, your responsibility for unlawful charges is restricted provided you follow appropriate noticeable actions.

Will the company claim extra identification?

Most credit card businesses require only that a company match your signature on the proof of payment with the signature presented on your card and make sure that the card is still valid. When a clerk obliges you to write your address and telephone number or demands that you present your driver's license, he or she is breaking a law. If this happens to you, file for a protest.

Will you present your card when you write down a check?

Writing checks for your purchase is one of the positive aspects in using a credit card. But, in some U.S states, the company does not have the right to write the credit card number on your checks. Getting your card number will still not secure the company in any manner especially if you did not sign in a credit card receipt. If for example your check bounces, the company is forbidden from charging your card for the bounced check payment.

Therefore, before using any credit cards ask for the card company about your rights to avoid any unnecessary situation between you and any other businesses. This way your credit card will become that useful tool that you always wanted.
About the Author
Hector Milla runs 2 websites that help people with bad credit history, the Bad Credit Debt Management site and the Bad Credit Credit Cards resources center. Where you can find online debt relief tips and credit card resources for people with bad credit respectively. Website associated with http://www.Justilex.com
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