http://www.PodcastingList.org PodcastingList.org 1.0 http://www.creditcardposts.com/does-the-truth-in-lending-act-apply-to-business-credit-cards/ The Truth in Lending Act does not apply to credit extended for business purposes unless a credit card is involved. If a credit card is involved, the requirements of the regulation that govern the issuance of and liability for unauthorized use do apply. Credit cards for business purposes can’t be issued on an unsolicited basis. Also, [...]Click here to play Mon, 16 Jun 2008 19:23:57 +0000 http://podcasts.odiogo.com/get_mp3.mp3?f=/credit-card-posts/Credit_Card_Posts-Does_the_Truth_in_Lending_Act_Apply_to_Business_Credit_Cards.mp3 http://www.creditcardposts.com/what-to-do-if-you-didnt-receive-your-monthly-credit-card-statement/ Notify your credit card company that you are not receiving your monthly statements. You should also file a written billing error dispute with the bank. (Send this to the address specified after “Send Billing Inquiries to:” on the statement. This address is usually different from where you send your payment.) File your dispute within 60 days [...]Click here to play Mon, 16 Jun 2008 17:54:22 +0000 http://podcasts.odiogo.com/get_mp3.mp3?f=/credit-card-posts/Credit_Card_Posts-What_to_Do_If_You_Didnt_Receive_Your_Monthly_Credit_Card_Statement.mp3 http://www.creditcardposts.com/are-credit-card-companies-allowed-to-raise-rates-on-a-fixed-rate-card/ With an open-end credit account (e.g., a credit card or line of credit), the term fixed means that the periodic rate is fixed for a period of time. The bank can change the account terms, including the periodic rate, at any time as long as it notifies you at least 15 days prior to the [...]Click here to play Mon, 16 Jun 2008 16:29:09 +0000 http://podcasts.odiogo.com/get_mp3.mp3?f=/credit-card-posts/Credit_Card_Posts-Are_Credit_Card_Companies_Allowed_to_Raise_Rates_on_a_Fixed_Rate_Card.mp3 http://www.creditcardposts.com/why-wont-my-new-credit-card-work/ Most new credit cards are sent in a de-activated state to the mailing address you provided on your application. This is to prevent unauthorized use should the card be stolen in the mail before you receive it. Instructions on how to activate the card will be enclosed. If you don’t see them, call your credit card [...]Click here to play Mon, 16 Jun 2008 16:20:48 +0000 http://podcasts.odiogo.com/get_mp3.mp3?f=/credit-card-posts/Credit_Card_Posts-Why_Wont_My_New_Credit_Card_Work.mp3 http://www.creditcardposts.com/can-a-credit-card-company-charge-interest-and-fees-after-an-account-is-closed/ Yes, even though you may have paid off and closed your credit card account, there could have been residual interest from previous balances. Residual interest will accrue from the last statement cycle date until the bank receives your payment.Click here to play Mon, 16 Jun 2008 15:51:43 +0000 http://podcasts.odiogo.com/get_mp3.mp3?f=/credit-card-posts/Credit_Card_Posts-Can_a_Credit_Card_Company_Charge_Interest_and_Fees_After_an_Account_is_Closed.mp3 http://www.creditcardposts.com/are-credit-card-companies-required-to-notify-cardholders-of-a-lost-or-stolen-credit-card/ No. There is no Federal law that requires credit card companies to provide notification. The best way to protect yourself is to review your accounts and statements regularly, and notify the bank immediately if you spot any irregularities. Some credit card companies may monitor an account for unusual activity and notify you. However, the bank is [...]Click here to play Mon, 16 Jun 2008 12:22:07 +0000 http://podcasts.odiogo.com/get_mp3.mp3?f=/credit-card-posts/Credit_Card_Posts-Are_Credit_Card_Companies_Required_to_Notify_Cardholders_of_a_Lost_or_Stolen_Credit_Card.mp3 http://www.creditcardposts.com/are-credit-card-companies-allowed-to-ask-about-income/ Yes. Your income is one measure of your ability to repay the credit card you’re applying for. The request of this information is a safe and sound banking practice used by all credit card companies and banks.Click here to play Mon, 16 Jun 2008 08:25:11 +0000 http://podcasts.odiogo.com/get_mp3.mp3?f=/credit-card-posts/Credit_Card_Posts-Are_Credit_Card_Companies_Allowed_to_Ask_About_Income.mp3 http://www.creditcardposts.com/can-a-credit-card-company-charge-a-fee-if-a-payment-is-made-on-time-but-doesnt-post-before-the-due-date/ Generally, unless a cut-off time is specified, payments must be credited on the date received. Check with your credit card company about its policies. For more information, review the Account Agreement provided when the account was opened. If you followed the payment requirements and you were still charged a late payment fee, you can dispute the [...]Click here to play Mon, 16 Jun 2008 03:08:07 +0000 http://podcasts.odiogo.com/get_mp3.mp3?f=/credit-card-posts/Credit_Card_Posts-Can_a_Credit_Card_Company_Charge_a_Fee_if_a_Payment_is_Made_on_Time_but_Doesnt_Post_Before_the_Due_D.mp3 http://www.creditcardposts.com/are-credit-card-companies-allowed-to-charge-over-the-limit-fees/ Yes, if you exceed your credit limit and it was disclosed in the Account Agreement the credit card company can charge you an over-the-limit fee. You should review your Agreement or contact the lender for an explanation.Click here to play Sun, 15 Jun 2008 22:45:30 +0000 http://podcasts.odiogo.com/get_mp3.mp3?f=/credit-card-posts/Credit_Card_Posts-Are_Credit_Card_Companies_Allowed_to_Charge_Over_the_Limit_Fees.mp3 http://www.creditcardposts.com/are-credit-card-companies-allowed-to-charge-late-fees/ Yes, your credit card company can charge you a late fee if either of the following is true: 1. Your payment is late. 2. Your payment is for less than the minimum amount due. For more information, please review your Account Agreement or contact your credit card company’s customer service department for an explanation.Click here to play Sun, 15 Jun 2008 21:36:43 +0000 http://podcasts.odiogo.com/get_mp3.mp3?f=/credit-card-posts/Credit_Card_Posts-Are_Credit_Card_Companies_Allowed_to_Charge_Late_Fees.mp3