Related Links
Credit Cards
A credit card is a form of borrowing that often involves charges. Credit terms and conditions affect your overall cost. So it's wise to compare terms and fees before you agree to open a credit or charge card account. Shopping around for a credit card can save you money on interest and fees. You’ll want to find one with features that match your needs.
It is important to note that the Department does not have regulatory authority over all credit card companies offering their products to Georgia consumers. If you have a problem involving your credit card, first try to resolve it directly with the store or the credit card company. If that doesn’t work, you may want to file a complaint with the federal agency responsible for enforcing consumer credit laws for your credit card company:
Credit cards issued by banks with “national” in the name or “N.A.” after the name
Comptroller of the Currency
Customer Assistance Group
1301 McKinney Street, Suite 3450
Houston, TX 77010
1 (800) 613-6743 (toll-free)
www.occ.treas.gov
Credit cards issued by state banks that are not members of the Federal Reserve System
Federal Deposit Insurance Corporation
Consumer Response Center
2345 Grand Boulevard, Suite 100
Kansas City, MO 64108
1 (877) 275-3342 (toll-free)
www.fdic.gov
Credit cards issued by state banks that are members of the Federal Reserve System
Federal Reserve Consumer Help
PO Box 1200
Minneapolis, MN 55480
888-851-1920 (Phone)
877-766-8533 (TTY)
877-888-2520 (Fax)
Email: ConsumerHelp@FederalReserve.gov
www.FederalReserveConsumerHelp.gov
See “How to File a Consumer Complaint about a Bank”.
Credit cards issued by federal savings and loan associations and federal savings banks
Office of Thrift Supervision
Consumer Programs
1700 G Street, NW, 6th Floor
Washington, DC 20552
1 (800) 842-6929 (toll-free)
www.ots.treas.gov
Credit cards associated with federal credit unions
National Credit Union Administration
Office of Public and Congressional Affairs
1775 Duke Street
Alexandria, VA 22314-3428
1 (800) 755-1030 (toll free)
(703) 518-6409 (Fax)
www.ncua.gov
Credit cards issued by finance companies or stores, and matters related to auto dealers, mortgage companies, and credit bureaus
Federal Trade Commission
Consumer Response Center - 240
600 Pennsylvania Avenue, NW
Washington, DC 20580
1 (877)-FTC-HELP (1-877-382-4357) (toll-free)
www.ftc.gov
The articles and brochures below address various topics related to credit and credit cards.
- Getting Credit: What You Need to Know About Your Credit (FTC)
- Choosing a Credit Card (FRB)
- Credit, ATM and Debit Cards: What to do if They're Lost or Stolen (FTC)
- Credit Card Savvy Students Handout (FDIC)
- Getting Credit When Your Over 62 (FTC)
- Choosing a Credit Card: The Deal is in the Disclosures (FTC)
- Gold and Platinum Cards (FTC)
- Credit and Divorce (FTC)
- Credit Card Loss Protection Offers (FTC)
- Secured Credit Card Marketing Scams (FTC)
Other Related Articles:
-
Knee Deep in Debt (FTC)
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