My payday lender said my loan would cost 15 percent but my loan documents say the annual percentage rate (APR) is almost 400 percent. What is an APR on a payday loan and how should I use it?
I was an authorized user on my deceased relative’s credit card account. Am I liable to repay the debt?
I just received a new card from the card issuer with a new account number and a letter saying my account had been "compromised." What does that mean? What should I do?
My spouse and I had a joint account. We are no longer living together and the monthly bills have been sent to my spouse’s address. He/she has not paid them and now the card issuer is charging late fees. Am I responsible?
I let the card issuer know I was closing my account. They are still charging me interest. Can they do that?
I received a notice from my card issuer telling me that they were closing my account and that I cannot use my credit card any more. Can they do that?
I sent my payment to the card issuer but I: forgot to include the payment stub; sent the payment to the wrong address; sent cash rather than a check; sent a check in foreign currency. What happens?
I received my bill this month and the payment is due the same day as usual but the bill came much later than usual. Can I get more time to pay?
I just learned that my card issuer has closed my account without giving me any notice. Can they do that? What can I do?
The card issuer increased my interest rate on my existing balance. Can they do that? What can I do to get the rate back down?
Six months ago the interest rate on my account was increased. I have noticed that the interest rate has been reduced, but is still not going back to my original rate. Can they do that?
I did not receive a bill last month. The current bill shows a past due amount and charges interest for the charges from the prior month. What should I do?
I have let my card issuer know that I am disputing a charge. My statement shows that the credit available to me has been reduced by the amount of the charge that I am disputing. Can they do that?
I bought something with my credit card when I was abroad and when the bill came there was a 2 percent fee. What’s that?
My payment was due on a Sunday and I understood that meant I had until the next business day (Monday) to pay. I went online to my card issuer's website and made a payment on Monday, but I was charged a late fee. Can they do that?
I got a credit card promising no interest for a purchase if I pay in full within 12 months. How does this work?
My bill shows different APRs and shows how much of the balance is subject to each interest rate. I cannot figure out how this is calculated. How does that work?
