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Zero fraud liability, a policy many credit and debit cards advertise to consumers as a safety measure against theft or fraud, seems like a stand-up thing for card companies to do. Federal Law requires consumers not be liable for more than $50 in charges that result from lost or stolen card information. This means that […]

The 1960s are known for being an important time in U.S. history. It’s a period that ushered in many groundbreaking legislative changes, such as the Civil Rights Act of 1964, the Medicare Law of 1965 and the Voting Rights Act of 1965. Amid these groundbreaking federal laws, you’d be remiss to forget about the Consumer […]

Preferably seen as convenience, sometimes credit cards become a necessity. When unemployed, a few options for credit card approval exist. But buyer beware: situation depending, credit cards without income can make or break credit. The CARD Act of 2009 requires credit card companies to analyze an applicant’s “ability to pay” before approving a consumer for […]