When can a card issuer look at my credit report?
A card issuer can look at your full credit report when you apply for a credit card. If you are a customer of the card issuer, it can look at your credit report at any time.
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A card issuer can look at your full credit report when you apply for a credit card. If you are a customer of the card issuer, it can look at your credit report at any time.
You can opt out of receiving certain mailings for five years by calling 1-888-567-8688 or visiting www.optoutprescreen.com. You can also opt out permanently by following the instructions online at www.optoutprescreen.com. To complete your request, you must return the signed Permanent Opt-Out ...
Card issuers cannot deny credit or offer less favorable terms on the basis of sex or marital status. Typically, card issuers may not even ask your sex on an application form, and the form has to disclose that you do ...
A card issuer cannot charge an overlimit fee unless you have opted in to permit the card issuer to allow charges that put you over your credit limit. Before you opt in, the issuer must give you certain disclosures, including ...
Card issuers may use a credit reporting agency to make firm offers of credit to consumers whose credit histories meet the criteria asked for by the card issuer (for example, a minimum credit score). This does not mean the credit ...
If you apply for a credit card as an individual, the card issuer must consider your individual ability to meet your payment obligations if you use the card. Unless your states law gives you an ownership interest in your spouses ...
If you believe you are a victim of identity theft, you should contact one of the consumer reporting agencies listed below to place a fraud alert on your credit report. You only need to contact one of the three credit ...
Card issuers are required to let you know how long it will take you to pay off your current balance if you make no further charges and pay only the minimum amount due each month. They are also required to ...
A daily periodic interest rate is calculated by dividing the annual percentage rate (APR) by either 360 or 365, depending on the card issuer. The resulting daily periodic interest rate is then used to calculate interest by multiplying the rate ...
Yes, so long as the card issuer told you the fee they charge for making a balance transfer before the transfer. Card issuers are allowed to charge a fee on balance transfers, even if the balance transfer itself has a ...