By Martha Johnson, GSA Administrator
Read or Download 2011 Consumer Action Handbook PDF
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Extra info for 2011 Consumer Action Handbook
Don舗t share personal information with someone you don舗t trust. Learn how to recognize fraud by following the advice on page 3. Beware of payday and tax refund loans. Interest rates on these loans are usually excessive. Even a cash advance on a credit card may be a better option. For more information, see page 16. Real estate agents represent the seller, not the buyer. When buying, consider hiring an agent or lawyer to represent you (p. 24). Home improvement (p. 27) and auto repairs (p. 9) are the subjects of frequent complaints.
Many cards carry protections similar to credit and debit cards. To obtain these benefits, you must follow the instructions for registering and activating your card. Be sure to record your card information, including the customer service telephone number on the back of the card, so you can get a replacement if yours is lost or stolen. If you have a problem with a prepaid card, first contact the customer service number. If the problem still isn舗t resolved, you may want to file a complaint with the proper authorities: For cards issued by retailers, contact the FTC (p.
Cannot charge higher rates for purchases made before you receive notice of a new rate. Cannot use the double-cycle billing method when calculating interest; interest can only be charged on balances within the current billing cycle. Cannot increase your Annual Percentage Rate (APR) without explaining why it is doing so. If your credit card company increases your APR, it generally must re-evaluate that rate increase every six months. Under some circumstances, it may have to reduce your rate after the evaluation.