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Credit Card Consolidation Loan Discusses the 8 Laws That Affect Credit Card Holders
  • USA - English


News provided by

Credit Card Consolidation Loan

Nov 11, 2013, 03:00 ET

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Credit Card Consolidation Loan
Credit Card Consolidation Loan

Los Angeles-Long Beach, CA (PRWEB) November 11, 2013 -- On October 6, Credit Card Consolidation Loan revealed the 8 different laws that affect credit card holders. These are not new but the debt relief website believes that consumers are not really aware of the enactments protecting their rights. Some of these also serve as guidelines for both creditors and card holders.

Credit Card Consolidation Loan wishes consumers to learn more about these laws to help make them more responsible cardholders.

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The article titled “8 Credit Card Laws That You Need To Be Aware Of” begins by stating how credit cards are a staple in the consumer’s wallet. However, not everyone is aware of the laws that govern the use of these cards and both creditors and consumers. The article wishes to correct this ignorance by explaining in brief the 8 laws that consumers must learn.

Hopefully, Credit Card Consolidation Loan wishes that by knowing these laws, the cardholder will be wiser when they spend with their credit cards. Here are the laws discussed in the article in a very simplified form.

1. Truth in Lending Act (1968). This simply mandates that the consumers must be made aware of the complete details that govern the debt they are getting themselves into. Full disclosure is a must.

2. Consumer Credit Protection Act (1969). The article explains that this is a group of enactments that seek to protect consumers. Among the laws included here are the Fair Credit Reporting Act, Fair Credit Billing Act, Equal Credit Opportunity Act and Truth in Lending Act.

3. Fair Credit Reporting Act (1970). This law states that consumers and their credit report must be protected, have the right information and must be accessible to the consumer (at least for their own report).

4. Equal Credit Opportunity Act (1974). This act prohibits creditors and lenders from discriminating their product or service because the applicant is a part of the minority.

5. Fair Credit Billing Act (1974). This law is specific to credit card holders. This specifies the regulations that must be followed by the creditors when it comes to the billing cycle.

6. Fair Debt Collection Practices Act (1977). This is a specific law for debt collectors and creditors when they are pursuing consumers for unpaid debt. Basically, it does not allow abusive practices.

7. Fair Credit and Charge Card Disclosure Act (1988). This act pertains to the right of the cardholder to know about the features of the credit card they are applying to.

8. Credit Card Act (2009). This another law that encompasses the other acts about credit cards. It provides stipulations about interest rate increase, approving of card accounts for young individuals, etc.

Credit Card Consolidation Loan wishes consumers to learn more about these laws to help make them more responsible cardholders. By understanding their purchasing tools, the debt relief site hopes that consumers can stay out of debt.

In fact, they provided additional tips that will help consumers avoid credit card debt. To read the rest of the article, click on this link: http://creditcardconsolidationloan.org/8-credit-card-laws-that-you-need-to-be-aware-of/.

Sandra Doyle, Credit Card Consolidation Loan, http://creditcardconsolidationloan.org/, 1-888-414-2176, [email protected]

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