Consumers love their credit cards.…  There are hordes of the things floating around, and it doesn’t look like the plastic habit is going to quit anytime soon.…  Unfortunately, credit card users are all too often oblivious to their rights as consumers.…  Whether you’ve fallen behind on your payments or just want to know if your credit card company can send you a bill and expect you to pay it two days ago, you can give yourself a leg up on the card companies with just a little bit of information.

    1. The Right to Silence:…  Consumers who fall behind on their credit card payments can be inundated with calls from their credit card company. These calls seem to come at all hours of the day and can make it so you don’t want to answer the phone at all. But it doesn’t have to be that way.…  The Fair Debt Collections Practices Act sets limits on how aggressive credit card companies can be.…  They are not allowed to call you before 8 in the morning or after 9 at night.…  And if you tell a collector that they can’t contact you at work,…  they can’t make any calls there at all.


    1. The Right to Their Silence:…  Not only can you stop credit card companies from calling you at work, but you can make a demand for them to stop contacting you completely. If you send a them a written letter telling them you no longer want them to contact you, they are obligated by law to honor your demand.…  Of course, they can still sue you to recover the debt, but if all you want to do is stop the endless phone calls and letters, just send them a letter and tell them to cut it out.


    1. The Right to Pay:…  Under the CARD Act (Credit Card Accountability Responsibility and Disclosure Act), bills must be sent at least 21 days before they are due.…  The due dates for your monthly bills must also remain the same, and card companies have to accept payments until 5:00 p.m. on the date it is due.


    1. The Right to Interest Rate Stability:…  Also under the CARD Act, credit card issuers can’t just decide to raise your interests rates whenever they feel like it.…  Unless a card was issued as a variable rate card, or if it came with a temporary promotional rate, credit card companies can’t raise your interest rates the first year unless you are late with a payment for more than 60 days.…  Even if that happens, they have to tell you about it in writing at least 45 days before the rate increase takes effect.