Credit Cards & You - Table of Contents

Credit Cards and You covers all aspects of the credit card industry. Here's a sampling of what you'll find inside:

	Brief History & Overview of the Industry Learn about the history of the industry, where we are today, and a glimpse of what the future has to offer.
	Understanding the Credit Application Learn to look beyond the advertising hype and see what the card will really cost you.
	Scoring the Application: How credit scoring works See why your credit score is so important, and how lenders use it to determine if you are credit worthy.
	Credit Reports & Credit Reporting Understand what's in your credit report, who can view it, who contributes to it, and what you can do to fix errors in it.
	Understanding the Cardmember Agreement Once you use your credit card, you enter into a binding agreement with the credit issuer. Here's what you need to know about that agreement.
	Privacy Choices: Protecting your privacy Recent changes in the law give you certain rights to protect your privacy. Learn what they are and what you need to do.
	Using Your Account Learn to protect yourself when using your credit card, what constitutes use and acceptance, and how to avoid problems.
	Handling Billing Errors & Disputes: Regulation Z So what do you do when you find charges on your account you did not make? How soon do you have to notify the bank? How much are you responsible for? What happens when you buy faulty merchandise with your card? What about that faulty car repair you paid for with your credit card? Find out here.
	Collection Activity: The Fair Debt Collection Practices Act If you're getting calls from collectors, learn what your rights are, and their responsibilities.
	Lost & Stolen Cards: What to do So you've lost your purse or wallet. What now? We'll show you what to do to protect yourself.
	What to do if your Identity is stolen Identity theft is on the rise. Do you know what to do if your identity is highjacked? We do, and we'll tell you here.
	Credit Repair - Avoiding the Scams Slow credit, no credit, bad credit? Credit Repair companies claim they can fix it all. Don't believe it, and here's why.
	Sample Disclosure Statement Take a look at a real credit disclosure statement, taken right off the web from a major lender, and understand what it really means.