As a credit card holder you are protected by the Consumer Protection Act which includes more detailed consumer provisions in the Truth in Lending Act. The Truth in Lending Act (TILA) covers specific areas of card issuance and liability for lost or stolen cards. Unless you apply for a credit card federal law prevents an issuer from giving you a card. Cards can only be issued if you apply for a new card or if you renew your old credit card.
Legal Handbook
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Consumer
- Automobiles
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Credit Card Issues
- Can A Credit Card Company Discriminate Against Me Based On My Age?
- Can A Credit Card Company Discriminate Against Me Based On My Marital Status Or The Fact That I Receive Public Assistance?
- How Do I Apply For A Credit Card?
- How Do I Establish A Credit History To Show That I Am Financially Responsible?
- How Do I Explain To My Card Issuer That My Card Is Lost Or Was Stolen?
- If My Card Is Stolen Will I Have To Pay For Purchases Made By The Thief?
- What Does The Equal Credit Opportunity Act (ECOA) Require?
- What If A Credit Card Company Refuses My Application Because Of My Race Or Gender?
- What Obligations Does A Credit Card Company Have When My Credit Card Is Stolen?
- Debt Crisis
- Health
- Identity Theft
- Illegal Downloading
- Travel Fraud
- Documents
- Domestic Relations
- Employment
- Landlord & Tenant
- Small Claims Court
- Student Rights
- Traffic & Misdemeanors