Your Rights as a Credit Card User

Prompt credit for payment
A card issuer must credit your account on the day the issuer receives your payment, unless the payment is not made according to the creditor's requirements.

Refunds of credit balances
When you return merchandise or pay more than you owe, you have the option of keeping the credit balance on your account or receiving a refund.

Unauthorized charges
If you report your card lost before it is used, you cannot be held responsible for any unauthorized charges. If your card is used before you report it lost, you are liable for $0 if reported within two business days. After that, you're liable for no more than $50.00.

Disputes about merchandise or services
In some circumstances, you have the right to withhold payment for unsatisfactory merchandise or services.