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Credit Cards: Where to Go for Help

Unauthorized Use of Your Account - If someone has used your credit card number or other personal information, see: Unauthorized Use of Your Account (What to Do if Your Identity is Stolen).

Fraud - If you've been a victim of fraud, notify your card issuer immediately by phone, and follow-up in writing. Also contact the National Fraud Information Center online or by phone (800-876-7060). The NFIC is a project of the National Consumers League in Washington, and it reports suspected frauds to the appropriate law enforcement agencies.

The US Secret Service has jurisdiction over financial fraud cases. Although the Service generally investigates cases where the dollar loss is substantial, your information may provide evidence of a larger pattern of fraud requiring their involvement. Contact your local field office.

Complaints about Your Card Issuer
The following federal agencies are responsible for enforcing federal laws that govern credit card transactions. Questions concerning a particular card issuer should be directed to the enforcement agency responsible for that issuer.

State Member Banks of the Reserve System
Consumer and Community Affairs
Board of Governors of the Federal Reserve System
20th & C Sts., N.W.
Washington, D.C. 20551

National Banks
Comptroller of the Currency
Compliance Management
Mail Stop 7-5
Washington, D.C. 20219

Federal Credit Unions
National Credit Union Administration
1776 G St., N.W.
Washington, D.C. 20456

Non-Member Federally Insured Banks
Office of Consumer Programs
Federal Deposit Insurance Corporation
550 Seventeenth St., N.W.
Washington, D.C. 20429

Federally Insured Savings and Loans, and Federally Chartered State Banks
Consumer Affairs Program
Office of Thrift Supervision
1700 G St., N.W.
Washington, D.C. 20552

Other Credit Card Issuers (includes retail/gasoline companies)
Division of Credit Practices
Bureau of Consumer Protection
Federal Trade Commission
Washington, D.C. 20580

   Table of Contents:

  1. How to establish credit
  2. Types of Credit Card Accounts
  3. Precautions for Choosing or Using a Credit Card
  4. When You Receive Your Card
  5. Your Rights and Protections
  6. What is a Credit Report (and How Do I Get Mine)?
  7. How to Dispute Credit Report Errors
  8. Unauthorized Use of Your Account: (What to Do if Your Identity is Stolen)
  9. Help and Resources
 

         

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   Always keep in mind to:
  1. Spend less than you earn! People who spend every penny they make usually end up going broke.......
  2. Take enough risk on the money you save! Playing safe by putting your money under the mattress or in a savings account will not make you wealthy..

Remember that..... Fully one-fifth of humanity, some 1.3 billion people, struggles to survive on less than $1 per day. About 40% of humanity survives on less than $2 per day. More than a billion people around the world will go to bed hungry tonight. Life expectancy in some 32 countries is less than 40 years. If you have a few extra dollars in your pocket (you don't have to be a millionaire to make a difference), please share some of your financial good fortune with others who are in great need.


Think About It...  Being in the 'now' brings a freedom, unlike living in the past or in the future, which is a kind of imprisonment. This isn't a kind of a denial where you pretend life doesn't have problems. Life is full of problems, but most of those stresses and failures are reliving old hurts or worrying about future concerns. -- Carl Honore

When you 're diagnosed with cancer, you start to bargain with God: "Let me get through this, and I'll take better care of myself. I'll get my priorities in order. I'll learn to live every day to the fullest." Isn't it sad that you have to get sick before giving yourself permission to live life to the fullest? -- Robert Schimmel Look at Life in different & Positive ways