What should I do if I receive a credit card with pre-approved charges?

If you receive a credit card with pre-approved charges, there are a few steps you should take. First, you should immediately contact the credit card issuer and dispute any charges that you did not authorize. The credit card dispute resolution law in New Jersey requires the issuer to acknowledge your dispute within 30 days and investigate the charges. If the investigation does not resolve the dispute to your satisfaction, you can apply for an administrative hearing with the New Jersey Office of Administrative Law. This process is designed to give you an opportunity to present evidence to an administrative law judge, who will review the dispute and issue a decision. Once the decision has been issued, you can also file a complaint with the Consumer Financial Protection Bureau (CFPB). The CFPB is responsible for enforcing federal laws related to consumer credit and will investigate any potential violations. In some cases, they may be able to help you resolve the dispute without needing to go to court. Finally, if all else fails, you can file a lawsuit in civil court against the credit card issuer. Before doing so, you should talk to an experienced consumer law attorney in order to make sure you are fully informed about your legal options.

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What should I do if I receive a credit card with pre-approved charges?

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