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Federal law prohibits issuers from sending you a card you didn't ask for. However, an issuer can send you a renewal or substitute card without your request. Issuers also may send you an application or a solicitation, or ask you by phone if you want a card - and, if you say yes [url=http://www.steelersfansofficial.com/bud-dupree-jersey/]Bud Dupree Steelers Jersey[/url] , they may send you one.
Cardholder Protections
Federal law protects your use of credit cards.
Prompt Credit for Payment. An issuer must credit your account the day payment is received. The exceptions are if the payment is not made according to the creditor's requirements, or the delay in crediting your account won't result in a charge.
To help avoid finance charges, follow the issuer's mailing instructions. Payments sent to the wrong address could delay crediting your account for up to five days. If you misplace your payment envelope, look for the payment address on your billing statement or call the issuer.
Refunds of Credit Balances. When you make a return or pay more than the total balance at present [url=http://www.steelersfansofficial.com/...uma-okorafor-jersey/]Chukwuma Okorafor Steelers Jersey[/url] , you can keep the credit on your account or write your issuer for a refund - if it's more than a dollar. A refund must be issued within seven business days of receiving your request. If a credit stays on your account for more than six months, the issuer must make a good faith effort to send you a refund.
Errors on Your Bill. Issuers must follow rules for promptly correcting
billing errors. You'll get a statement outlining these rules when you open an
account and at least once a year. In fact, many issuers include a summary of
these rights on your bills.
If you find a mistake on your bill, you can
dispute the charge and withhold payment on that amount while the charge is being
investigated. The error might be a charge for the wrong
amount [url=http://www.steelersfansofficial.com/mason-rudolph-jersey/]Mason
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that wasn't delivered as agreed. Of course, you still have to pay any part of
the bill that's not in dispute, including finance and other charges.
If you decide to dispute a charge:
Write to the creditor at the address indicated on your statement for "billing inquiries." Include your name [url=http://www.steelersfansofficial.com/bud-dupree-jersey/]Bud Dupree Jersey[/url] , address, account number, and a description of the error.
Send your letter soon. It must reach the creditor within 60 days after the first bill containing the error was mailed to you.
The creditor must acknowledge your complaint in writing within 30 days of receipt, unless the problem has been resolved. At the latest [url=http://www.steelersfansofficial.com/...uma-okorafor-jersey/]Chukwuma Okorafor Jersey[/url] , the dispute must be resolved within two billing cycles, but not more than 90 days.
Unauthorized Charges. If your card is used without your permission, you can 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. If a thief uses your card before you report it missing [url=http://www.steelersfansofficial.com/mason-rudolph-jersey/]Mason Rudolph Jersey[/url] , the most you'll owe for unauthorized charges is $50.
To minimize your liability, report the loss as soon as possible. Some issuers have 24-hour toll-free telephone numbers to accept emergency information. It's a good idea to follow-up with a letter to the issuer - include your account number, the date you noticed your card missing, and the date you reported the loss.
Disputes about Merchandise or Services. You can dispute charges for unsatisfactory goods or services. To do so [url=http://www.steelersfansofficial.com/javon-hargrave-jersey/]Javon Hargrave Steelers Jersey[/url] , 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 card issuer.) and,
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 small claims court.
Shopping Tips
Keep these tips in mind when looking for a credit or charge card.
Shop around for the plan that best fits your needs.
Make sure you understand a plan's terms before you accept the card.
Hold on to receipts to reconcile charges when your bill arrives.
Protect your cards and account numbers to prevent unauthorized use. Draw a line through blank spaces on charge slips so the amount can't be changed. Tear up carbons.
Keep a record - in a safe place separate from your cards - of your account numbers, expiration dates and the phone numbers of each issuer to report a loss quickly.
Carry only the cards you think you'll use.
What are the Different Hazards of Multitasking? Published: 07.08.2010 | Author: kayemarks | Category: Advertising
I was in a meeting discussing things that I do not care about so I decided to fiddle around with my Blackberry. I opened my inbox and decided to respond to a client. I know it is rude but I just had to maximize my time.
Multitasking [url=http://www.steelersfansofficial.com/sean-davis-jersey/]Sean Davis Steelers Jersey[/url] , if you like, is the buzzword today. It is the buzzword among business executives. Accomplishing more in a limited time span is something that everyone must know how to do. Or is it?
Well, the bad thing is when it came to me to respond to a question of the chair of the company, I realized I had not heard the question as I was busy replying to messages in my inbox. I wanted to ask him to repeat the question but I did not want to give the chair the impression that I was not in full attention to what was being discussed. I took the cue from the topic thread and tried to give my opinion about the proposed brochure printing design. I rattled off until my colleague nudged me to tell me that we have moved on to another topic. I was embarrassed but I tried to salvage the situation. This is the danger of multitasking.
Studies showed that people distracted by incoming
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