Credit Card Benefits | Best Rewards Credit Card

A Flexible Rewards Platinum Visa®

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The benefits of having a credit card is hard to ignore these days. Apart from being a reliable form of identification they can also bail you out of unforeseen emergencies when they happen.

One major benefit of having and using your credit card is when you need the issuing company to act in your behalf recovering funds from a disputed transaction.

Now this doesn’t happen often, but when it does, you’ll have peace of mind knowing that under the Fair Credit Billing Act any credit card issuing company has to investigate a dispute between merchant and consumer and either take the charge off your bill or explain why it stays on. The protection for the consumer is higher than for the merchant because you won’t have to pay the portion of the credit-card bill or any accrued and related interest while the dispute is under investigation.

The types of blling disputes/errors covered by the Fair Credit Billing Act are:

Charges for goods and services that you didn’t accept
Charges that list the wrong date or charge amount.
Charges for goods that weren’t delivered as agreed upon.
Failure to post payments and other credits, such as returns.
Any unauthorized charges.