Getting a Credit Card - Revision history

Drew Jackson: /* Go deeper */

2023-11-07T00:53:38Z

Go deeper

← Older revision		Revision as of 00:53, 7 November 2023
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	===Go deeper===		===Go deeper===
	Want to dive deeper into your rights and how to prevent problems with a credit card? [https://www.peopleslawschool.ca~~/everyday-legal-problems/money-debt/credit-cards~~/getting-credit-card Check out our in-depth information on this topic].		Want to dive deeper into your rights and how to prevent problems with a credit card? [https://www.peopleslawschool.ca/getting-credit-card/ Check out our in-depth information on this topic].

	==Helpful agencies==		==Helpful agencies==

Drew Jackson: /* Legal advice */

2023-11-07T00:19:25Z

Legal advice

← Older revision		Revision as of 00:19, 7 November 2023
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	:'''People’s Law School'''		:'''People’s Law School'''
	:See more options for free or low-cost legal help.		:See more options for free or low-cost legal help.
	:[https://www.peopleslawschool.ca/options-legal-help/~~?utm_source=beagle~~ Visit website]		:[https://www.peopleslawschool.ca/options-legal-help/ Visit website]

	{{Dial-A-Law_Navbox\|type=consumer}}		{{Dial-A-Law_Navbox\|type=consumer}}
	{{Dial-A-Law Copyright}}		{{Dial-A-Law Copyright}}

Drew Jackson: /* Protect yourself! */

2023-11-07T00:18:38Z

Protect yourself!

← Older revision		Revision as of 00:18, 7 November 2023
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	==Protect yourself!==		==Protect yourself!==

	===~~The steps involved===~~		===Step 1. Keep a record of your account numbers===
	~~We offer tips to prevent problems.~~

	~~'''~~Step 1.~~'''~~ Keep a record of your account numbers

	~~'''Step 2.''' Don’t lend your card to anyone~~

	~~'''Step 3.''' Shred credit cards you’re finished with~~

	~~'''Step 4.''' Guard your credit card number~~

	~~'''Step 5.''' Check your bills often~~

	~~'''Step 6.''' Report questionable charges~~

	~~===More on each step~~===
	~~'''Step 1. Keep a record of your account numbers~~

	Find a safe place for your credit card account numbers. Write down the expiration dates on the cards. Keep the toll-free customer service number handy in case you lose your cards.		Find a safe place for your credit card account numbers. Write down the expiration dates on the cards. Keep the toll-free customer service number handy in case you lose your cards.

	~~'''~~Step 2. Don't lend your card to anyone		===Step 2. Don't lend your card to anyone===

	Under the law in BC, your liability for a lost or stolen card is limited. That usually means you’re protected. But if you give your card and PIN to someone, you lose this protection.		Under the law in BC, your liability for a lost or stolen card is limited. That usually means you’re protected. But if you give your card and PIN to someone, you lose this protection.

	~~'''~~Step 3. Shred credit cards you're finished with		===Step 3. Shred credit cards you're finished with===

	Shredding your bank statements when you’ve read them is also a good idea.		Shredding your bank statements when you’ve read them is also a good idea.

	~~'''~~Step 4. Be careful about giving out your credit card number		===Step 4. Be careful about giving out your credit card number===

	Don’t give out the number over the phone or online until you’re certain you’re dealing with a reputable company. If the company’s new to you, search for complaints against it online before you buy anything.		Don’t give out the number over the phone or online until you’re certain you’re dealing with a reputable company. If the company’s new to you, search for complaints against it online before you buy anything.

	~~'''~~Step 5. Check your bills often		===Step 5. Check your bills often===

	Review your credit card bills as soon as you get them. If you use online banking, check your account frequently.		Review your credit card bills as soon as you get them. If you use online banking, check your account frequently.

	~~'''~~Step 6. Report questionable charges		===Step 6. Report questionable charges===

	If there are any charges on your statement you think might be fraudulent, contact your card issuer right away. They can put a fraud alert on your card and prevent any more charges.		If there are any charges on your statement you think might be fraudulent, contact your card issuer right away. They can put a fraud alert on your card and prevent any more charges.

Drew Jackson: /* Helpful agencies */

2023-11-07T00:16:57Z

Helpful agencies

← Older revision		Revision as of 00:16, 7 November 2023
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	==Helpful agencies==		==Helpful agencies==
	~~===~~If you run into trouble, these agencies may be able to help.~~===~~		If you run into trouble, these agencies may be able to help.

	:'''Financial Consumer Agency of Canada'''		:'''Financial Consumer Agency of Canada'''

Drew Jackson: /* More on each step */

2023-11-07T00:15:57Z

More on each step

← Older revision		Revision as of 00:15, 7 November 2023
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	===More on each step===		===More on each step===
	'''Step 1. Keep a record of your account numbers		'''Step 1. Keep a record of your account numbers
	~~'''Find a safe place for your credit card account numbers.~~

	Write down the expiration dates on the cards. Keep the toll-free customer service number handy in case you lose your cards.		Find a safe place for your credit card account numbers. Write down the expiration dates on the cards. Keep the toll-free customer service number handy in case you lose your cards.

	'''Step 2. Don't lend your card to anyone		'''Step 2. Don't lend your card to anyone
	~~'''~~Under the law in BC, your liability for a lost or stolen card is limited. That usually means you’re protected. But if you give your card and PIN to someone, you lose this protection.
			Under the law in BC, your liability for a lost or stolen card is limited. That usually means you’re protected. But if you give your card and PIN to someone, you lose this protection.

	'''Step 3. Shred credit cards you're finished with		'''Step 3. Shred credit cards you're finished with
	~~'''~~Shredding your bank statements when you’ve read them is also a good idea.
			Shredding your bank statements when you’ve read them is also a good idea.

	'''Step 4. Be careful about giving out your credit card number		'''Step 4. Be careful about giving out your credit card number
	~~'''~~Don’t give out the number over the phone or online until you’re certain you’re dealing with a reputable company. If the company’s new to you, search for complaints against it online before you buy anything.
			Don’t give out the number over the phone or online until you’re certain you’re dealing with a reputable company. If the company’s new to you, search for complaints against it online before you buy anything.

	'''Step 5. Check your bills often		'''Step 5. Check your bills often
	~~'''~~Review your credit card bills as soon as you get them. If you use online banking, check your account frequently.
			Review your credit card bills as soon as you get them. If you use online banking, check your account frequently.

	'''Step 6. Report questionable charges		'''Step 6. Report questionable charges
	~~'''~~If there are any charges on your statement you think might be fraudulent, contact your card issuer right away. They can put a fraud alert on your card and prevent any more charges.
			If there are any charges on your statement you think might be fraudulent, contact your card issuer right away. They can put a fraud alert on your card and prevent any more charges.

	===Go deeper===		===Go deeper===

Drew Jackson: /* More on each step */

2023-11-07T00:15:14Z

Elena Renderos: Elena Renderos moved page Buying on Credit (No. 246) to Getting a Credit Card: change title

2023-10-11T05:21:42Z

Elena Renderos moved page Buying on Credit (No. 246) to Getting a Credit Card: change title

← Older revision	Revision as of 05:21, 11 October 2023
(No difference)

Elena Renderos at 06:26, 2 October 2023

2023-10-02T06:26:31Z

Show changes

Drew Jackson: /* Your rights to what you buy can vary */

2019-03-29T21:59:43Z

Your rights to what you buy can vary

← Older revision		Revision as of 21:59, 29 March 2019
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	===Your rights to what you buy can vary===		===Your rights to what you buy can vary===
	~~'''~~Buying on credit~~'''~~ means you get something now in exchange for a promise to pay later. Your rights to the item you buy can vary depending on the terms of the promise.		Buying on credit means you get something now in exchange for a promise to pay later. Your rights to the item you buy can vary depending on the terms of the promise.

	In some cases, you might not own the item until you finish paying for it. Say you want to buy a piano. You might agree with the seller to pay for it over two years, with interest. You get the piano immediately. But the seller might have you sign an agreement saying the seller still owns the piano until you make all the payments.		In some cases, you might not own the item until you finish paying for it. Say you want to buy a piano. You might agree with the seller to pay for it over two years, with interest. You get the piano immediately. But the seller might have you sign an agreement saying the seller still owns the piano until you make all the payments.

	In other cases, you might own the item right away, but the seller or lender gets special rights to it. Say you want to buy a new car. You might get a loan from your bank, and agree to pay the loan back (plus interest) over a certain time period. The bank might have you sign an agreement saying if you default on the loan (such as by missing a payment), the bank can take the car to cover what you owe.		In other cases, you might own the item right away, but the seller or lender gets special rights to it. Say you want to buy a new car. You might get a loan from your bank, and agree to pay the loan back (plus interest) over a certain time period. The bank might have you sign an agreement saying if you default on the loan (such as by missing a payment), the bank can take the car to cover what you owe.

	===When you buy with a credit card===		===When you buy with a credit card===
	When you buy something with a '''credit card''', you similarly buy now and pay later. But when you buy with a credit card, you own the item right away. And the credit card company can’t take the item if you don’t make a credit card payment.		When you buy something with a '''credit card''', you similarly buy now and pay later. But when you buy with a credit card, you own the item right away. And the credit card company can’t take the item if you don’t make a credit card payment.

Drew Jackson at 21:57, 29 March 2019

2019-03-29T21:57:06Z

← Older revision		Revision as of 21:57, 29 March 2019
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	{{REVIEWEDPLS \| reviewer = [http://www.leighco.ca/wendy-andersen Wendy Andersen], Digby Leigh & Company, and [http://www.consumerprotectionbc.ca/ Laura Cox], Consumer Protection BC\|date= October 2017}} {{Dial-A-Law TOC\|expanded = money}}		{{REVIEWEDPLS \| reviewer = [http://www.leighco.ca/wendy-andersen Wendy Andersen], Digby Leigh & Company, and [http://www.consumerprotectionbc.ca/ Laura Cox], Consumer Protection BC\|date= October 2017}} {{Dial-A-Law TOC\|expanded = money}}
	When you buy ~~“on credit”~~, you buy now and pay later. This can range from taking out a loan for a new car to using a credit card to buy groceries. Your rights can differ in important ways depending on how you buy on credit.		When you buy “'''on credit'''”, you buy now and pay later. This can range from taking out a loan for a new car to using a credit card to buy groceries. Your rights can differ in important ways depending on how you buy on credit.

	==Understand your legal rights==		==Understand your legal rights==
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	:Web: [http://www.nomoredebts.org/ nomoredebts.org]		:Web: [http://www.nomoredebts.org/ nomoredebts.org]


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	{{Dial-A-Law_Navbox\|type=consumer}}		{{Dial-A-Law_Navbox\|type=consumer}}
	{{Dial-A-Law Copyright}}		{{Dial-A-Law Copyright}}