If you find yourself in the situation that you are unable to pay your credit card debt balance off each month then there are steps you can take to reduce your interest charges.
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Not all credit cards are created equally. And so it makes it that much harder to decide which credit card offer to choose. There are many factors you sh.....
Credit and debit card issuers promote chargebacks as one of the main ways in which use of a card makes for a more secure transaction. But some recent cases indicate that banks and other issuers need to improve their customers' understanding of how chargebacks work and also need to refine their processes for handling claims.The financial ombudsman service has issued a note on chargebacks, reviewing some recent cases where the issues involved showed that assessing a chargeback application can be complex and can result in the wrong decision.Card issuers set a time limit for chargeback applications of between 30 and 75 days. The limit may apply from the date of the transaction or the agreed delivery date for the goods.Recent cases handled by the ombudsman suggest that cardholders cannot be sure what they are getting into when they make an application for a chargeback. Card issuers need to do some work to clarify how the system operates.
