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At its most basic level, the law seeks to make rates and fees on In this article, we’ll provide an overview of the main provisions of the Credit Card Act so you can understand how it helps you.Keep in mind there are numerous sections of the law where the Federal Reserve Board — referred to as the Board from here on — often with the cooperation of other regulatory agencies will be required to develop rules that describe how the law will work in real life.
These days, thieves can steal your credit card number — they don’t need the actual card.
If you are 60 days late on a credit card payment, your issuer can raise your interest rate retroactively.
However, you must be given the opportunity to earn back your previous rate if you make your minimum payments on time for six months.
(Some credit card companies offer debit cards with some protection.) Most debit cards work like writing a check — the money is immediately taken out of your account.
If you do not report a false charge or charges within 60 days of receiving your bank statement, you could be held responsible for the false charges.