Skip to Main Content

Printer Friendly

Credit Cards

Credit cards offer great convenience but can quickly snowball into a load of debt if the card holder is unable to pay off the balance each month. It is important to shop around for rates and terms. Consumers also have options if they are having problems with their credit card company. This section describes some of the work Empire Justice Center and other consumer advocates do around credit cards, how to shop around for an affordable credit card, and the options available for addressing problems with credit card companies.

ARTICLES

Top Ten Ways The CFPB Can Help You With Financial Questions
The U.S. PIRG Education Fund has put together this great resource of how the CFPB can help you. It includes information on how to make complaints to the CFPB. Read More

Card Complaints Zing Companies
Capital One got hit by the most complaints from its customers of seven major U.S. card companies in 2012, according to an analysis of newly public complaint figures. Read More

American Express Says It Will Refund $85 Million
American Express will reimburse $85 million to about 250,000 customers to resolve accusations that the company violated federal law in its marketing, billing and debt collection practices, the company and the government said Monday. Read More


Credit Cards: Articles



IN THE NEWS

The Future of Wall Street Regulation Is in Andrew Cuomo's Hands
New York Governor Andrew Cuomo must soon appoint a replacement superintendent for the state Department of Financial Services (DFS), an obscure regulatory position that the current head, Benjamin Lawsky, elevated into a major national player over the past four years. Read More

Conflicting Comments Delay Court's Debt Default Plan (Sign in required)
The courts need additional time to digest more than 300 pages of analysis and criticism of the rules submitted by government officials, bar groups, the consumer finance industry and law firms specializing in debt collection, said office of Court Administration spokesman David Bookstaver. Read More


Credit Cards: In the News



POLICY ADVOCACY

Empire Justice Memo of Support: Pass the Consumer Credit Fairness Act
Empire Justice Center strongly supports the Consumer Credit Fairness Act, A.9053(Weinstein)/S.7349(Savino), and urges its swift passage to ensure that debt collection actions are fair to consumers throughout New York State. Read More

Empire Justice Center Testimony Before Joint Committees on Consumer Affairs and Aging
Addressing Consumer Scams Affecting Senior Citizens. Read More


Credit Cards: Policy Advocacy




NEWSLETTERS

Legal Services Journal - Fall 2009 Issue
In this issue of the Legal Services Journal, you will find articles on Disability Benefits, Domestic Violence, Public Benefits, Health, Child Care, Consumer and Community Development, Civil Rights, Immigrant Rights and Child Support. Read More





RESOURCES

Top Ten Ways The CFPB Can Help You With Financial Questions
The U.S. PIRG Education Fund has put together this great resource of how the CFPB can help you. It includes information on how to make complaints to the CFPB. Read More

Consumers Can Register Complaints with the CFPB
Any consumer with a complaint involving a mortgage, a student loan, a credit card, a bank account, a car loan, a money transfer or a credit report, can register a complaint with the Consumer Financial Protection Bureau. Debt collection issues and payday loans will be added soon. Read More

Credit Card 'Checkout Fees': Coming Soon to a Store Near You?
New credit card “checkout fees” may be coming to a retailer (brick & mortar and online) near you after the new year. While checkout fees are illegal in NY and 9 other states, you may want to read this guide by Consumer Action to know your rights. Read More


Credit Cards: Resources