Charges on credit cards

You think the only purchase you made with it the previous month was at the gas station. Do you know what rights you have regarding fraudulent purchases on a credit card in your name? If these problems have not happened to you yet, you are lucky.

These are common situations credit card users face every day. It can help you to know before something like this happens to you what your rights are. What your responsibilities are in the matter. When You Are Not Satisfied with Purchase One of the benefits of using a credit card to make purchases is the additional protection they provide if you make a purchase that you are unsatisfied with. Maybe you used a credit card to pay the contractors who were hired to repair your shower leak.

There is still water on the bathroom floor. You are not satisfied with the work they completed. The problem is. Your first step is to contact the contractor. The merchant is more than happy to replace a broken item. If for some reason the merchant decides they are not going to do anything to correct the situation.

Charges You Didn’t Make Did you know that federal law is involved in helping limit credit cardholder’s responsibilities for charges on credit cards that they did not make themselves? There is a process you should follow to get it resolved as quickly and painlessly as possible.

Call the credit card company and explain the charges that were not made by you. They will give you instructions as to what to do next. You should take the time to find and review all of your recent credit card statements in case there were other charges that you may have missed. The credit card company will most likely ask you to sign a form to confirm that you were not the one who made the charges in dispute.