It is a good practice to read the terms and conditions of any agreement document before you sign it. When you apply for a credit card, your signature on the credit card application acts as your acceptance of the terms and conditions that have been set by the issuing financial institution. Although you may think that the issuer has the upper hand in all matters related to using the credit, its not entirely true.
A credit card customer has certain rights, many of which are provided under the Fair Credit Billing Act. But the important thing about exercising these rights is making sure that you take all required steps in the right order and time frame specified. Let us discuss some of these problems and the steps that should be taken to solve them, starting off with the biggest credit problem, billing disputes.
