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Settlement of Credit Card Disputes

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Business Cards:  When you file a dispute or claim against your credit card company, it gives you opportunity to obtain a settlement. Typically, settlements are a cancellation of some or all of the debt on the disputed purchase in exchange for your agreement to drop the claims. There are other types of settlement for credit card disputes, however, and some may benefit you more than simply canceling some or all of the debt in question. Here are some other possible types of credit card dispute settlements: Creditor agrees to cancel a delinquency: it can be helpful if the creditor agrees to treat a late debt a...

on March 4, 2010 0

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What Consumers Should Do if Their Credit Limits are Cut

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Money Saver:  Studies done by Consumer Action, a consumer advocacy group, are showing that almost one in five consumers have had limits on their credit cards cut. Almost 20 percent of these customers are showing they have nearly maxed out their cards as a result. Experts are predicting that limiting credit is going to “become severe” in the near future. Meredith Whitney, bank analyst for Oppenheimer and Co., stated that she predicts “card issuers will cut credit lines by $2 trillion-plus over the next 18 months.” Some triggers for limit cutting are consumer’s credit sore falling, late payment...

on December 15, 2009 0

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Tips for Disputing a Credit Card Charge

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Money Saver:  Very often there are charges on you credit card that you never made or merchants did not reimburse you properly. Below is what you need to know to file a successful dispute: Try your other options first-A credit card dispute shouldn't be your first move. You should go to the merchant to try to resolve your problem. That might include a partial refund or credit for a future product. Watch your bill - Review your monthly credit card statement very carefully. Match up receipts to charges listed on your statement, if there are any discrepancies or unknown charges you should...

on September 1, 2009 0

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