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The
law provides a remedy if you used your credit card to
purchase a product or service you felt was unsatisfactory.
The rules are:
- The
product must be purchased in your home state or within
100 miles of the billing address.
- The
charge must exceed $50.00.
- An
effort must be made to resolve the dispute with the
merchant.
As
mentioned previously, merchants want happy customers. If you
are unhappy you should contact the seller as soon as
possible. A preliminary phone call may clear up any problem.
Be sure to keep a record of contact with the company. Note
the date and time of your call as well as the name of the
person you spoke with. Jot down a short summary of the
conversation for future reference.
If
the initial phone call takes care of the problem then all
the better but if it doesn’t, or if it seemed the call
settled the matter but subsequently you find the issue is
not resolved to your satisfaction, the next step is to write
a letter. The letter does two specific things; it lets the
company know you are serious and puts a complaint on record.
Of course you will keep a copy of the letter for your own
records.
In
the meantime, contact the credit card company. They can
clearly explain what the options are. Usually, when a
purchase is in dispute the payment for that charge can be
withheld. The rest of the credit card bill must be paid, but
the portion representing the disputed items may be withheld
pending resolution.
To
be sure the protection extended by the law will cover your
complaint follow all of the rules. Putting your complaint
into written form is always helpful. Send the complaint to
the credit company. There should be a special mailing
address listed on the monthly statement. Be sure you include
your name, address, credit card number and a concise
explanation of the problem.
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