Understanding your rights helps you protect your wallet and your credit in the face of any credit card misuse or disagreement with a merchant or credit card issuer. These laws address your rights in all phases of credit card use, beginning with your application for a credit card and extending to your credit card billing and use, including any default on your repayment obligations. The laws you need to know to create practices and procedural requirements to ensure credit card issuers treat you fairly. State laws also establish your rights relating to credit cards, but we focus here on federal consumer protections.
Your Rights as a Credit Card Holder