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If you are like many brides, you've used a credit card to purchase one or more of your wedding items. But isn’t it frustrating when you buy a product and bring it home, only to discover the product is damaged or poorly made? Then, when your try to return the defective item, the merchant refuses to replace it or give you a refund. If you purchased it with a credit card, your card company may be able to help.
Credit card purchases are protected under the Fair Credit Billing Act. This law gives the consumer the right to withhold payment on poor-quality or damaged merchandise bought with a credit card.

According to the law, you must first make a real effort at resolving the dispute with the merchant before you can ask your credit card company to stop a payment. The sale must be for more than $50 and have taken place in your home state or within 100 miles of your home address. Not all credit card companies enforce the $50 or 100-mile rule on purchases, but all are free to do so. To get the Fair Credit Billing Act to work for you, here's what you need to do:

If possible, take the defective merchandise back to the store. Otherwise, call the store and ask for a manager or supervisor. Keep records of each conversation. If the merchant won't budge, put your complaint in writing. Outline the dispute in a short, detailed letter to the merchant and send it certified mail. Because card companies are eager to hang on to their customers, especially good ones, they'll often go above and beyond what's required of them by law when a customer is unhappy with a card purchase. To dispute a bill, it's best to move quickly. You'll want to inform your card issuer of the disputed charge before it's due for payment. You can't withhold a payment once a bill is paid.

Best of Luck!

Windy O'Connor
www.HomeBenefitIQ.com
username: bride
password: groom

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