What consumer rights do I have when it comes to credit cards?

In Hawaii, consumers have several rights when it comes to credit cards. Specifically, consumers have the right to know the terms of their credit card agreement. The Credit Card Act of 2009 requires credit card companies to provide clear and concise information about the terms of their agreements. This includes information on interest rates, fees, and all other terms. Additionally, consumers have the right to dispute charges and fees they feel are incorrect or unjustified. Consumers can contact their credit card company and request a written explanation of the charges or an adjustment. The Credit Card Act also protects consumers from certain practices, such as “universal default”, where the issuer can raise interest rates based on activities unrelated to that credit card account. Lastly, the Act provides additional protection for consumers under 21 years old. This includes a requirement that those under 21 have a co-signer for the credit card, or demonstrate their ability to pay back the debt on their own. Overall, the Credit Card Act of 2009 provides consumers in Hawaii the right to know the terms of their agreements, dispute incorrect charges, and protection from certain unfair practices. By understanding these rights, consumers can make informed decisions about when and how to use credit cards.

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What consumer rights do I have when it comes to credit cards?

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