Dana Dratch
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Articles by Dana Dratch
Antonio Ruiz-Camacho | Bankrate.com
About the author Experience Antonio Ruiz-Camacho is the former senior director of content for CreditCards.com and Bankrate Credit Cards. He has more than 20 years of international experience leading content teams, focused on consumer advice, technology and immigration.
How to dispute a credit card charge
Disputing a charge — whether you were double-billed, overcharged or hit with credit card fraud — is one of your rights under the Fair Credit Billing Act. And while it should be (and often is) fairly simple, the process varies widely by credit card, card issuer, the merchant and your situation.
How to dispute a credit card charge
How to dispute a credit card charge by Dana Dratch Mon, August 26th 2024 at 11:29 AM Joscha Malburg/EyeEm/Getty Images Share
How to dispute a credit card charge
Disputing a charge — whether you were double-billed, overcharged or hit with credit card fraud — is one of your rights under the Fair Credit Billing Act. And while it should be (and often is) fairly simple, the process varies widely by credit card, card issuer, the merchant and your situation.
How to dispute a credit card charge
Key takeaways If you believe there is an erroneous or fraudulent charge on your credit card, you have the right to dispute the charge and potentially have it removed from your statement. The Fair Credit Billing Act allows you to dispute a charge within 60 days of when it appears on your monthly statement. You are not required to pay the disputed charge while the credit card issuer investigates the claim, although other charges on your statement are still due.
How to dispute a credit card charge
Continue reading More for You
How to dispute a credit card charge
Disputing a charge — whether you were double-billed, overcharged or hit with credit card fraud — is one of your rights under the Fair Credit Billing Act. And while it should be (and often is) fairly simple, the process varies widely by credit card, card issuer, the merchant and your situation.
How to dispute a credit card charge
Disputing a charge — whether you were double-billed, overcharged or hit with credit card fraud — is one of your rights under the Fair Credit Billing Act. And while it should be (and often is) fairly simple, the process varies widely by credit card, card issuer, the merchant and your situation.
How to dispute a credit card charge
How to dispute a credit card charge by Dana Dratch Thu, August 22nd 2024 at 2:08 PM Joscha Malburg/EyeEm/Getty Images
How to dispute a credit card charge
How to dispute a credit card charge by Dana Dratch Thu, August 22nd 2024 at 11:08 AM Joscha Malburg/EyeEm/Getty Images Share
7 tactics car salespeople hope you don’t know (and how to beat them)
Key takeaways Car salespeople receive commissions and bonuses for making sales, which can influence their tactics. Stick to your budget and not be swayed by add-ons or extras the salesperson offers. To give yourself more leverage, research the vehicles you're interested in, know the value of your trade-in and secure financing beforehand. The process of buying a new or used vehicle has a lot of moving parts.
7 Tactics Car Salespeople Hope You Don't Know Original
Car salespeople receive commissions and bonuses for making sales, which can influence their tactics. Stick to your budget and not be swayed by add-ons or extras the salesperson offers. To give yourself more leverage, research the vehicles you’re interested in, know the value of your trade-in and secure financing beforehand. The process of buying a new or used vehicle has a lot of moving parts.
10 common cash back credit card mistakes -CreditCards.com
When it comes to credit cards, Americans overwhelmingly prefer cash back credit cards over other types of cards. According to Bankrate’s credit card features survey from 2021, more than 4 in 10 (or 41 percent) of adults listed cash back as their favorite credit card feature — which was, by far, the most popular answer. But that same research reveals that we don’t always make the most of card rewards.
First credit card dilemma: Student card vs. secured card
If you’re a student who’s applying for a credit card for the first time, you may find yourself choosing between a student card or a secured card. While both types of cards look the same as any other card in your wallet — and any card on your credit report — and both allow you to make purchases and build a credit history, there are a few big differences between the two. So how can you decide between a student card and a secured card? Here are a few pointers to help you decide.
How to stop automatic payments on your credit card
The content on this page is accurate as of the posting date; however, some of our partner offers may have expired. Please review our list of best credit cards, or use our CardMatch™ tool to find cards matched to your needs. Sooner or later, all good things must come to an end — and that includes those automatic, recurring payments you set up. Maybe you got a better deal on streaming services and want to switch, or you moved and no longer use the same utility company.
How to switch to a new credit card from the same bank
Summary Almost every issuer will let you switch to a different credit card from the same bank without pulling your credit, but it may not be the card you want. The content on this page is accurate as of the posting date; however, some of our partner offers may have expired. Please review our list of best credit cards, or use our CardMatch™ tool to find cards matched to your needs. Switching to another card from the same issuer can seem like the perfect solution to a number of credit card dilemmas.
What happens when 0% intro APR rate ends?
The content on this page is accurate as of the posting date; however, some of our partner offers may have expired. Please review our list of best credit cards, or use our CardMatch™ tool to find cards matched to your needs. It’s the ultimate honeymoon for you and your new credit card: that 0 percent APR period when everything seems possible. But, like a real honeymoon, it doesn’t last forever.
Joint account vs authorized user vs co-signer
The content on this page is accurate as of the posting date; however, some of our partner offers may have expired. Please review our list of best credit cards, or use our CardMatch™ tool to find cards matched to your needs. If you share credit with another person, your account status is just as important as the credit line and the interest rate. That’s because it determines how much control you have over the account, your responsibility for the bill and its impact on your credit history.
Unsecured Auto Loans: Should You Get One?
Zero Creatives/Getty Images We are an independent, advertising-supported comparison service. Our goal is to help you make smarter financial decisions by providing you with interactive tools and financial calculators, publishing original and objective content, by enabling you to conduct research and compare information for free - so that you can make financial decisions with confidence.
How to stop automatic payments on your credit card
Sooner or later, all good things must come to an end – and that includes those automatic, recurring payments you set up. You get a better deal on streaming services and want to switch. You move and no longer use the same utility company. Your first-year subscription deal ends and you want to cancel before the price quadruples. Or maybe you decide to keep a closer eye on your money by paying bills manually. It all adds up to the same thing: You set auto-payments in motion and now want them to stop.
How to Build Credit When You Have None
Limited or no credit? You’re in good company. Many times, consumers with no credit history are new to the world of credit. They can find themselves in a Catch-22 scenario, says Jennifer Tescher, president and CEO of the Center for Financial Services Innovation in Chicago. “You need to have a credit history to get credit,” Tescher says. “And you need to have credit to build [a] credit history.” A “thin file” means you don’t have much of a track record with credit.
How to switch to a new credit card from the same bank
The content on this page is accurate as of the posting date; however, some of our partner offers may have expired. Please review our list of best credit cards, or use our CardMatch™ tool to find cards matched to your needs. Terms apply to the offers listed on this page. Switching to another card from the same issuer can seem like the perfect solution to a number of credit card dilemmas. By doing this, you can end up with better – or simpler – rewards, a higher credit line or a lower interest rate.
9 things you're spending too much on: How to get ahead of pandemic prices
Purchase gas, groceries or medicine, and you’re liable to notice one thing no matter where you live: Prices have gone up during the pandemic. Since March 2020, consumers have seen higher prices on things they buy regularly – from fresh fruit and beef to cleaning supplies and toilet paper. “I wouldn’t be surprised if there were folks making the same grocery choices as a year ago,” yet noticing their bill has gone up, says consumer advocate Teresa Murray of the U.S. Public Interest Research Group.
Shop for a credit card without hurting your credit -CreditCards.com
One of the ironies of credit is that just applying for a credit card can impact your credit score. And if you’re declined or don’t get the terms you need, you have to go through the process all over again – possibly with a lower score. Essential reads, delivered weekly Subscribe to get the week’s most important news in your inbox every week. Enter your email address By providing my email address, I agree to CreditCards.com’s Privacy Policy Your credit cards journey is officially underway.
10 common cash back credit card mistakes
More than half of American adults (59%) hold at least one cash back credit card, according to a 2021 survey from Bankrate.com. But that same research reveals that we don’t always make the most of card rewards: Thirty-three percent of cardholders didn’t redeem any rewards in 2020. Here are 10 common cash back mistakes to avoid – along with a few tips for squeezing every dollar from those rewards. 1.
7 red flags that jeopardize your credit
7 red flags that jeopardize your credit If you want the best deals and terms, here are seven things you — and your lenders — don’t want to see. Late or missed payments Photo by CardMapr.nl on Unsplash This one cuts to the heart of what lenders really want to know: “Are you going to pay your bills?” says Francis Creighton, president and CEO of the Credit Data Industry Association, the member organization for credit bureaus.
7 Credit Report Items That Scare Lenders
by Dana Dratch Ever wonder what it’s like to look at your credit or loan application from the other side of the desk? When lenders look at your credit report, “it’s really about common-sense decisions,” says Rod Griffin, senior director of consumer education for Experian, one of the three major credit bureaus. “Creditors and lenders really find boring to be exciting and sexy,” he says.
Siete cosas del reporte de crédito que asustan a los prestamistas
By Dana Dratch, Bankrate.com Tribune News Service | Jul 09, 2021 at 1:23 PM Cuando los prestamistas ven tu reporte de crédito, “se trata realmente de decisiones de sentido común”, dice Rod Griffin, director de educación del consumidor de Experian, una de las tres principales agencias de crédito. “Los acreedores y los prestamistas consideran que lo aburrido es emocionante y sexy”, dice. “Cualquier cosa inusual da miedo”.
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