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Questions (FAQ's)
GetMyMasterCard.com strives to keep our customers informed, answer any questions and address any concerns our users might have. Many of the questions and concerns can be address by reviewing the valuable information below, but please don't hesitate to contact us
if you have any further questions. Thank you for using GetMyMasterCard.com.
Avoiding
Credit and Charge Card Fraud
[PDF
version]
Steps to make it more difficult for a crook to capture your
card or card numbers, and how to report losses and fraud.
Billed
for Merchandise You Never Received?
[PDF
version]
Explains your rights and steps to take to correct the problem.
Includes a sample dispute letter.
Choosing
and Using Credit Cards
[PDF
version]
Explains credit card terms, how your balance is computed, and
how to shop for the best deal. Outlines cardholder
protections.
Cosigning
a Loan
[PDF
version]
Lists your obligations if you decide to cosign on a loan for a
friend or relative. At the top of the list: you may have to
pay up to the full amount of the debt if the borrower does not
pay.
Credit,
ATM and Debit Cards: What To Do If They’re Lost or Stolen
[PDF
version]
Outlines procedures for reporting loss or theft, and how to
minimize your risk.
Credit
and Divorce
[PDF
version]
Encourages recently divorced consumers, and those
contemplating divorce, to look closely at issues involving
credit. Understanding the different kinds of credit accounts
opened during a marriage may help illuminate the potential
benefits – and pitfalls – of each.
Credit
and Debit Card Blocking
[PDF
version]
Blocking often occurs when you use a credit or debit card to
check into a hotel or rent a car. The clerk usually contacts
the company that issued your card to give an estimated total.
If the transaction is approved, your available credit (credit
card) or the balance in your bank account (debit card) is
reduced by this amount. Learn why blocking may be a problem,
and how to
avoid it.
Credit
and Your Consumer Rights
[PDF
version]
Explains credit laws that protect your right to obtain, use,
and maintain credit. Offers practical tips to help you solve
credit problems.
Credit
Card Loss Protection Offers
[PDF
version]
Since your liability for unauthorized charges is limited to
$50, there’s no need to buy loss protection insurance.
Credit
Insurance: Is It For You?
[PDF
version]
Helps borrowers decide if credit insurance, which is usually
optional, is right for them. Explains the four main types of
credit insurance and offers shopping tips.
The
Credit Practices Rule
[PDF
version]
The Rule prohibits many creditors from including certain
provisions in consumer credit contracts. It also requires
creditors to provide a written notice to consumers before they
cosign obligations for others about their potential liability
if the other person fails to pay.
E-Checks
(Electronic Check Conversion)
[PDF
version]
Explains how electronic check conversion works. Offers tips on
keeping close tabs on your accounts.
Equal
Credit Opportunity
[PDF
version]
The Equal Credit Opportunity Act prohibits the denial of
credit because of your sex, race, marital status, religion,
national origin, age, or because you receive public
assistance.
Fair
Credit Billing
[PDF
version]
The Fair Credit Billing Act establishes procedures for
resolving billing errors on your credit card accounts.
Includes sample dispute letter.
Fair
Debt Collection
[PDF
version]
Answers commonly asked questions about your rights under the
Fair Debt Collection Practices Act. It prohibits debt
collectors from using unfair or deceptive practices to collect
overdue bills that your creditor has forwarded for collection.
Getting
Credit: What You Need to Know About Your Credit
[PDF
version]
Provides tips on shopping for credit cards, using cards
carefully, and keeping your credit record clean. Also explains
credit reports and credit scores, how to protect your
identity, improve your credit record, and what to do if you
are a victim of identity theft.
A good source of information for people learning about credit.
Includes a dedicated Web page for more information -- www.ftc.gov/gettingcredit.
Getting
Credit When You’re Over 62
[PDF
version]
Under the federal Equal Credit Opportunity Act, it’s against
the law for a creditor to deny you credit or terminate
existing credit simply because of your age. Explains your
rights and offers tips for applying for and maintaining
credit.
Gold
and Platinum Cards
[PDF
version]
If you’re looking for credit, be wary of some 'gold' or
'platinum' card offers promising to get you credit cards or
improve your credit rating. Lists tip-offs to rip-offs.
Payday
Loans = Costly Cash
[PDF
version]
Explains how these loans work, but cautions that they come at
a very high price. Lists alternatives.
Ready,
Set... Credit
[PDF
version]
For consumers who are about to get their first credit card.
Explains how to qualify for a card, get the best deal, and
manage your account. Stresses the importance of a good credit
history. Discusses federal consumer protections.
Scammers
Impersonate Legitimate Lenders, Promote A Loan for a Fee; Then
Take the Money and Flee
[PDF
version]
Tells you how to spot a scam and avoid losing your money. Rule
number one: Legitimate lenders never "guarantee" or
say that you are likely to get a loan or a credit card before
you apply, especially if you have bad credit, no credit, or a
bankruptcy.
Secured
Credit Card Marketing Scams
[PDF
version]
A secured card requires you to open and maintain a savings
account as security for your line of credit; an unsecured card
does not. Describes common advertising and marketing scams for
secured credit cards.
Understanding
Vehicle Financing
[PDF
version]
Get the facts on dealership financing – what it is, how you
apply, special financing offers, cash back and rebates you may
be eligible for, and more.
* See the Above Credit Card Applications above for
details about terms and conditions of offer.
getmymastercard.com constantly makes every effort to reflect
accurate information regarding current APR and fees on our
site. There is no guarantee that the information we reflect is
accurate. Click through the "apply now" button for
up to the second details of the credit card you are interested
in.
Still undecided or
looking for a second credit card to apply for?
See the menu bar on the left or review more of the options above.
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