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Credit cards and charge cards serve the same basic purpose... to charge purchases for payment later. As such, the term 'charge card' is often used to describe both although there are important differences.
The Equal Credit Opportunity Act - Comparing credit is much the same as shopping for all other products and services. Just as you would shop for the best price, with credit you shop for the lowest interest rate.
Yes, you can sue a debt collection agency for violating regulations, yet there are good reasons why you should pay debt collectors instead of defaulting.
ConsumerFinance.gov developed a shorter, simpler credit card agreement that spells out the terms for the consumer. Note that this is not a model form, and use is not mandatory. This simplified approach will help consumers better understand their credit card agreements.
You cannot simply stop paying credit card debts you had accrued. Even if you send your credit card company a cancellation letter; and even if you tear up your card, you are still responsible for paying any and all unpaid charges, transfers and fees.
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