Credit card notices
Cards
Credit card statements carry deadlines that are easy to miss. This section covers interest and billing lines that do not match what you understood or recorded. It explains the difference between calling customer service and sending the written billing-error notice that protects federal rights. The guides tell you which statement to save, which address to use, and what information belongs in the letter. Keep paying the undisputed part of the bill on time. These pages do not decide whether a promotion applied to your account; your agreement and records control that question.
Live guides
What if my SCRA 6% interest rate request was denied?What a denied or ignored SCRA 6% interest-rate reduction means under the Servicemembers Civil Relief Act, how that differs from a routine card APR change notice, and the written-request path.What if my card still charges interest on a disputed amount?What interest or fees on a disputed credit-card billing error mean under the CFPB Ask page and the how-to-fix-mistakes guide, how that differs from a finished dispute-denial letter, and the written billing-error path.What to do if your credit card dispute was deniedHow to read a dispute-denied letter, send a billing-error notice, and appeal without treating the app tap as the whole job.I was billed for a credit card add-on I did not agree toWhat an unwanted credit-card add-on or debt-protection fee line means, how the CFPB add-on explainer and billing-error dispute Ask pages work, and how it differs from late fees, overlimit fees, purchase-dispute denials, or deferred interest.I was charged a credit card overlimit fee and I did not opt inWhat an overlimit fee line means when you did not opt in, how Reg Z opt-in language on the CFPB Ask page works, and how it differs from late fees, limit cuts, purchase disputes, or deferred interest.I was charged a credit card late fee after paying on timeWhat a late-fee line on a credit card statement means when you paid on time, the CFPB 5:00 p.m. due-date rule, and how it differs from purchase disputes, deferred interest, or bank overdraft fees.My credit card credit limit was reducedWhat a credit-limit reduction notice means, how it differs from a full close or a new-application denial, and what Regulation B requires.My credit card issuer closed my accountWhat an issuer account-closure notice means, how the with-notice and no-notice paths differ, and how to protect a balance or refund.My credit card shows a credit balance and no refundWhat a statement credit balance means, how to request a refund check, and when the issuer must send it.My credit application was deniedWhat a Statement of Credit Denial means, how the 60-day free-report clock works, and how to dispute errors.A credit card was opened in my nameWhat a new unauthorized card means, how to close it, and how the IdentityTheft.gov report is used.Capital One billed interest I thought was deferredHow to protect the billing-error deadline while checking the offer, agreement, and statement math.