So you’ve thought about getting a credit card, but all you’ve heard about from parents, friends, co-workers, and the like is that they are just trouble. Horror stories of over limit charges, finance charges, late fees, mysterious charges, telemarketers, and missing bills dance through your head like sugar plumb fairies in children on Christmas Eve. Its important to know, going into your first, or even your fifth credit card experience, that as a credit card holder, you have certain rights that go along with your responsibilities.
Heres a rundown of some your credit card rights:
Prompt Credit for Payment:
Your creditor is required to post payment received within twenty four hours of receiving it. In order to insure that this system goes smoothly from your end, make sure that you make yourself familiar with the payment procedures for your card.
Refunds of Credit Balances:
If you overpay your credit card bill, that is the total amount, not a specific monthly bill, you have a right to receive a credit on your account. You can also request that the credit card issuer send you a refund of the over-paid balance. This only applies if you...
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