Download 2011 Consumer Action Handbook by Martha Johnson, GSA Administrator PDF

By Martha Johnson, GSA Administrator

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Com) lists credit cards and offers e-mail newsletters for consumers, answers to frequently asked questions, and online credit card calculators. com) lists and reviews credit cards, and offers tips and credit card calculators. Complaints To complain about a problem with your credit card company, call the number on the back of your card and try to resolve it. If you fail to resolve the issue, ask for the name, address, and phone number of its regulatory agency. See the chart on page 5 to find the best federal or state regulatory agency to contact.

Under the new rules, if your bank pays overdrafts, you have the option to opt into this service for most ATM and debit card transactions. Banks must disclose this option, the amount of the overdraft fee, and the customer舗s right to cancel this service. gov/consumerinfo. BEFORE YOU SWIPE YOUR DEBIT CARD Although both credit cards and debit cards are easy ways to pay for your purchases, debit cards have some different levels of consumer protection and potential for consumer fees. Debit cards are directly connected to your bank account, so when you swipe your card, make sure that you have the money in your account to pay immediately.

CREDIT CARDS Chances are, you舗ve received 舠pre-approved舡 credit card offers in the mail. Examine the fine print carefully before you accept any offer for a credit or charge card. Look for: The Annual Percentage Rate (APR). If the interest rate is variable, how is it determined, and when can it change? The periodic rate. This is the interest rate used to figure the finance charge on your balance each billing period. The annual fee. While some cards have no annual fee, others expect you to pay an amount each year for being a cardholder.

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