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Credit Cards

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Understanding Your Credit Card Statement

Disputing Credit Card Charges

Consumer Loans

Why Reading Disclosures Is Important

Federal Laws that Protect Cardholders

Several credit card laws and regulations protect you from unfair practices, give you the right to dispute charges on your credit card, and allow you to file a complaint with your credit card company. Some of these laws include the Truth in Lending Act (opens new window) (You will be leaving NCUA.gov and accessing a non-NCUA website. We encourage you to read the NCUA's exit link policies. (opens new page).) , Fair Credit Billing Act (opens new window) (You will be leaving NCUA.gov and accessing a non-NCUA website. We encourage you to read the NCUA's exit link policies. (opens new page).) , Fair Credit Reporting Act (opens new window) (You will be leaving NCUA.gov and accessing a non-NCUA website. We encourage you to read the NCUA's exit link policies. (opens new page).) , Fair Debt Collection Practices Act (opens new window) (You will be leaving NCUA.gov and accessing a non-NCUA website. We encourage you to read the NCUA's exit link policies. (opens new page).) and the Credit CARD Act (opens new window) (You will be leaving NCUA.gov and accessing a non-NCUA website. We encourage you to read the NCUA's exit link policies. (opens new page).) .

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Did You Know?

The maximum liability for unauthorized transactions on a debit card is $50 if you notify the financial institution within two business days after discovering an unauthorized transaction. But if you notify your financial institution after those first two days, you could lose up to $500, or perhaps much more.

Last updated on 04/13/20
My Life. My Money. My Future.
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