The Advantages of Credit Cards
There are many evils associated with credit cards, but there are benefits that are hard to ignore. One benefit is having the credit card company act in your behalf to recover funds from a disputed transaction. Under the Fair Credit Billing Act the credit card company has to investigate the dispute and either take the charge off your bill or explain why it is correct. Even better, you don’t have to pay the portion of the credit-card bill or related interest charges while the dispute is being investigated.The types of blling disputes/errors covered by the Fair Credit Billing Act are:
- Charges that list the wrong date or amount.
- Charges for goods and services you didn’t accept or weren’t delivered as agreed.
- Math errors.
- Failure to post payments and other credits, such as returns.
- Unauthorized charges.
Before you dispute any of issues you must first contact the retailer and try to settle the dispute. If they ignore you, or the dispute is not settled then contact the credit card company. Usually you need to have your dispute in writing to the credit card company. The address for billing disputes is different then the address to send payments. The billing dispute address can be found on the back of your monthly statement. If it cannot be found, call the credit card company’s customer service for the billing dispute address. You usually only have a certain number of days to dispute the billing error so make sure you mail in your dispute before the deadline.If contacting the credit card company doesn’t resolve the dispute, you may contact the Office of the Comptroller of the Currency’s Customer Assistance Group. Their website is www.occ.treas.gov/customer.htm and phone number is 800-613-6743.
About The Author
Christine Breen is the owner of 1stop-creditcards.com a site helping consumers find a better credit card.kokopoko2000@yahoo.com
Previous Articles Highlighter:
Being A Disciplined Home Business Boss (1)
When I first started working at home I was surprised at the many requests my family and friends had of my time. My best advice, which was given to me by another home business worker, is, ‘If they are not on fire or if they are not bleeding they do not need your attention.” Now don’t take the statement literally but what it basically means is, unless it is a real emergency do not let your family and friends interrupt your work schedule.For those of you who already have your home business, you are aware of the many requests that family and friends will make such as fixing their sink, driving them to their airport or watching their kids while they go to the grocery store.
A Dozen Tips For Starting An ImportExport Business (2)
Consult your bank for information about Letters of Credit, the most common form of payment when trading internationally. With a Letter of Credit, you minimize your risk because the banks assure that the goods are delivered before the money is exchanged.
Consider Fuel Efficiency When Buying A Car By Fisher Swanson (3)
Make it the #1 priority. One way to make sure that fuel efficiency is considered is to start by looking at cars that get good gas mileage. Make it the #1 priority and see where that leads you.
A Renewed View Of The Modern Business Culture (4)
I wish to drive my car the way that pleases me. I wish to work the way that gladdens my soul. I also wish to work at my own pace, and the work I do does not have to follow any deadlines that will make me work under pressure or needless stress; for I am my own person as is reflected in the claim that my rights and freedom are mine and nobody else's.
Ten Tips For Cross Cultural Communication (5)
Be an active listener. Summarise what has been said in order to verify it. This is a very effective way of ensuring accurate cross cultural communication has taken place.
Ten Tips For Getting More Sales From Your Website (6)
(10) At the end of your sales copy make a call to action: "Act now - don't let this opportunity pass by" (c) 2002 by Michael SouthonMichael Southon has been writing for the Internet for over 3 years.
The Three Basic Methods Of Car Pinstriping By Marc Deschamps (7)
Do not use standard masking tape for edging pinstripes. the pinstriping paint will seep and bleed under the edge of standard masking tape. The pinstriping can be as plain or as fancy as your patience and level of skill allows.
Attention PR Shoppers (8)
Words that are compelling, persuasive and believable AND clear and factual. You must do this if you are to correct a perception by shifting opinion towards your point of view, leading to the desired behaviors.
The Ten Keys To Maximizing Employee Performance (9)
Things go wrong probably no more than five or ten percent of the time yet we spend ninety percent of our time belabouring those few things. We probably only spend ten percent of our energy talking about the ninety percent of things that are done well.
Warning Today’s Non Profit Credit Counselors Are Yesterday’s Bill Collectors (10)
So why not figure out a way to get people to voluntarily pay much more than they would otherwise by going through bankruptcy? So today, yesterday's bill collectors often masquerade as "non profit credit counselors".
Take It To The Customer (11)
Offer to write articles. Be sure to do a press release when you start your business, and distribute it to the local newspapers. If you run a group meeting, seminar, or any type of special event be sure to send a press release to the local papers, radio and television stations.
Top Ten Online Choices To Get Clients To Choose You Again And Again Part 1 (12)
Does its messages take my readers by the collar and convince them to read more?"Do your words inspire your readers? Will they know what they should know to arrive at an educated decision?
When Do I Need To Hire A Business Plan Consultant (13)
Your executive summary will be read first and first impressions are critical!Marketing: You need to write your own definition of your target customer / audience. For the market research on industry growth and fancy charts go ahead and hire a consultant.Competitive Analysis: You should put together the first draft of this section, as it is almost as important to understand your competitors, as it is your customers.
Business Legacy Less Important Than Comfortable Retirement Say Business Owners (14)
Your corporate and product news, consumer tips and information are packaged in a variety of ready-to-use formats and are made available to every Canadian media organization including weekly and daily newspapers, cable and commercial television stations, radio stations, as well as the Web sites Canadians visit most often.
7 Top Home Business Time Wasters (15)
Tell family members to handle any minor problems while you are at your computer. Close the door to your office. Place a sign on it "Do Not Disturb During Work Hours." BB Lee is Editor/Publisher of SmallBizBits FREE Home Based Business Ideas Newsletter.
A Checklist For Drafting Business Letters And Emails (16)
An example of a HOT POTATO - "As soon as we receive the documents, we will process your refund." This statement makes it clear that the reader must send the required documents.=> Have I verified all the figures and dates?
Online Sales And The Auto Dealer By Cherie Szilvagyi (17)
Selling successfully online is a necessary addition to their bottom line and overall sales numbers. Each and every dealer, no matter the size, needs to be able to sell effectively online.The time and money that selling online costs the Auto Dealer can be a lot less than classic print, radio and television advertising.
Working At Home The One Thing You MUST Know (18)
Your business grows more all the time, increasing your income everyday. You can now quit your day job to work at home full time. Soon you will be financially secure.
Get Outsiders On Your Side (19)
Just be sure the tactics your use can demonstrate that they reach people similar to those who make up your target audience. Before long, you, your PR team, and others in your unit will want to see some progress.
The True Cost Per Minute Of Long Distance (20)
In his case we can calculate the three plans as follows:Plan “A” Each month: ($.04 x 1200) + 5.95 = $53.95 His total bill for the year: 12 x $53.95 = $647.40Total cost per minute: $647.00 / 14,400 = $.045/minute Plan “B” Each month: $50.00 His total bill for the year: 12 x $50.00 = $600.00 Total cost per minute: $600.00 / 14,400 = $.042/minutePlan “C” Each month: 1200 x $.09 = $108.00 His total bill for the year: 12 x $108.00 = $1,296.00Total cost per minute: $1,296.00 / 14,400 = $.090/minute Clearly in Chuck’s case plan “b” would be the best value for his money.JohnJohn, on the other hand, used very little long distance every month.
Newer Articles Highlighter:
Strategies For Creating A Niche Business (1)
By using these six steps over a 3 month period of time, the business was able to increase the number of customers and create the foundations for building a business niche.If you want to learn more about how you can use niche building strategies to increase your profits, email me at al@hanzal.com.
Start A Business For Under 1 (2)
Just be sure that you choose a business that will be able to walk a first time entrepreneur through the steps of starting a successful business, and provide support to help them succeed.To start on the road to success pull out you favorite entrepreneur magazine or go to a search engine and type in “Business,” Under $100, and a multitude of offers will present themselves.
Business Writing Tip Question Answer Format (3)
Abbott writes and publishes Abbott's Communication Letter. If you subscribe, you will receive, at no charge, communication tips that help you lead or manage more effectively. You can get more information here: http://www.CommunicationNewsletter.comabbottr@managersguide.com
Gain 5 Horsepower This Weekend, For Practically Nothing By Nathan Morris (4)
Therefore the air that the IAT sensor “reads” is much hotter than the air, say, in the intake arm. The idea with this mod, is to relocate the sensor to the intake arm.
SuperCharged Secret 1 Of 5 Credit Card Utopia (5)
Virtually ALL OF THEM DO! When you get the answer you’re looking for, apply. They’ll send you a nifty letter in the mail with a bunch of blank checks.
The Game Plan The Difference Between Small Business Success And Failure (6)
The Plan Isn’t a SecretThe final piece is constant communication about the plan and the company’s progress to the employees. The game plan is not only communicated initially, it must be kept alive throughout the year with meetings focused on measuring progress toward the goals.
What Is A Bad Credit Personal Loan (7)
Whether or not you've missed a few payments on your current credit payments, there are loan plans that will allow you to re-establish your credit rating. So if you've been turned down for credit elsewhere don't despair.“This information courtesy of http://www.directonlineloans.co.uk ”More detailed information............County Court Judgement (CCJ) A county court judgement is a judgement for debt in the county court.
Student Home Purchase Plan (8)
Sell it? Sure. They would net a tidy profit from the home. Remember, the mortgage has been paid down for the last 4 years, as well as the value increases of the home over those 4 years.
Why Do You Want To Start A Home Business (9)
I think it is also very important to ask yourself whether being your own boss is actually suitable for you. You see, to be in a position like that, you would need to be "self driven" since you are in charge of your own destiny as a business person.
Successful Offshore Call Center Outsourcing (10)
Remember, it is the quality of the operational management, which makes the difference. An account manager sitting at a desk in London has little influence over project delivery in Bangalore.3 Don’t assumeAnyone who has worked in any developing country will tell you this is the most important thing to remember.
Troubled Waters Require Capable Leaders At The Helm (11)
In fact, they are only improving their areas or departments, often at the detriment of the entire process. It's your leadership and your measured future state plan that will bring order to chaos.
Be A Storyteller Not Just A Speaker (12)
The platform provides them with a privilege and awesome responsibility to share their stories in a way that helps the audience to “wake up.” Good stories make people say, “Wait a minute.
Choosing A Merchant Account (13)
To download a free example visit this link:http://www.121merchantaccount.com/tutorial/Rate-Spreadsheet.xlsPoint 3:Now, that we’ve discussed the fees you should consider the last and final point of choosing the right merchant account. ALL, and we do mean ALL, processing banks are subject to rates set by Visa, Mastercard, American Express, Discover and others.
Naming Names How To Name Your Business Product Or Service (14)
Let the brainstorming begin!I love really clever, catchy and visual names. It comes from having a web design and creative background. The AIGA.org hosts a local networking event called "Brew" with the tagline "where ideas perculate".
What To Do When Your IT Project Is Late Over Budget And Looks Like Its Never Going To Work (15)
Since the development is usually bad, the testers run out of time. The result? Running over schedule and over budget. Not to mention the release of an inadequate product.SOLUTION: Remember problem #1?
Are You An Expert At What You Do (16)
Share what you know. © 2003 Juiced Consulting. Juiced Consulting helps business owners package what they know into information products – such as books, audiotapes and teleclasses – that they can sell to generate new business revenue.
How To Use Humor To Increase Sales (17)
If the cartoon does not perfectly support your point, leave it out.2. Always add the copyright information described in the licensing agreement.3. Never run a cartoon without first obtaining a license to reproduce it.
Choosing The Best Life Insurance Option For You (18)
With level term insurance, you and your family can enjoy peace of mind at an affordable price. If you die during the term of this insurance policy, your family will receive a lump sum payment, which can help to cover a number of costs as well as provide some degree of financial security at what will inevitably be a difficult time.
Classified Ads What Works What Doesnt (19)
And No-Cost Information Kits above were included in the package. C. A special “Freebie” item of their choice from our bookstore was mailed or emailed with mention of the ad.
Making The Dealer An Offer By Kevin Schappell (20)
Better yet go to another dealer and see if they are willing to take your offer. Remember you can always go back and they can always call you when they realize you will not be buying on impulse and really mean business.