Using Credit Card Chargebacks

Checkbook publishes useful reports on consumer products and services. They have an updated report on using credit card chargebacks in cases of defective goods or fraudulent charges of any kind. The Fair Credit Billing Act gives consumers the right to dispute charges and withhold payment for goods and services that you didn’t accept or that weren’t delivered as promised. Consumers must first try to work it out with a seller (be sure to put it in writing), but if that doesn’t work, consumers should go online to the credit card company and ask for a chargeback. Checkbook asked its members...

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Some Databreaches Are Worse than Others and How to Avoid Being a Victim

Some Databreaches Are Worse than Others and How to Avoid Being a Victim CreditCards.com is great source of information on credit issues. A post today discusses data breaches of various descriptions and how each stacks up in terms of their impact on consumers. The authors first remind people that you are not your credit card–there’s a big difference between a risk or breach involving only one account and a breach that exposes one’s entire identity. But the risk increases when a breach extends beyond one card or account to include personal information such as your DOB and SSN. Scenario 1....

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