Credit, Debit, Gift and Prepaid Cards

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If you have a problem with a bank or other financial institution, contact the Federal Reserve for help.

Credit and Debit Cards
- Credit Card Debt During Coronavirus: Relief Options and Tips (CFPB)
  Tips on what to ask and what your options may be if you can’t pay your credit card bill because of the Coronavirus pandemic.
- Billed for Merchandise You Never Received? Here's What to Do (FTC)
  Learn what your options are when you get a credit card bill but no merchandise.
  
  Español Cuando le facturan mercadería que nunca recibió
- When a Company Blocks Your Credit or Debit Card (FTC)
  Merchants use card "blocking" to make sure that your charges do not exceed your credit limit (credit card) or overdraw your bank account (debit card), leaving them unpaid. This site has information on when and why blocking happens and how to avoid it.
  
  Español Cuando una compañía le bloquea su tarjeta de crédito o débito
- College Credit Card Agreements Search (CFPB)
  A tool that provides you access to the complete text of agreements between credit card issuers and educational institutions that provide for the issuance of credit cards to students.
- Credit Card Agreements and Surveys (CFPB)
  Explore databases about credit cards, including general credit card agreements and college credit card marketing agreements. Also view survey data about fees and interest rates, and data around the impact of the Credit CARD Act
- Credit, Debit, and Charge Cards (FTC)
  Understand how each card works and the potential benefits and concerns of each.
  
  Español Tarjetas de crédito, débito, y cargo
- Disputing Credit Card Charges (FTC)
  Learn more about your rights under the Fair Credit Billing Act.
  
  Español Disputar un cargo de tarjeta de crédito
- Know Your Overdraft Options (CFPB)
  What you must know about debit card and ATM overdraft coverage. Plus, how to reduce or eliminate debit card and ATM overdraft fees.
- What's That Chip Doing on My Credit Card (CFPB)
  Find out what credit and debit chip cards are and how they work, and how to protect your bank accounts and personal financial information.

Gift and Prepaid Cards
- Gift Card Scams (FTC)
  Learn about gift card scams and what to do if you become a victim.
  
  Español Estafas con tarjetas de regalo
- Gift Cards: Tips for Consumers (OCC)
  What you should know before you purchase a gift card for someone or use one you received as a gift.
- Is the Money on My Prepaid Card FDIC-Insured? (FDIC)
  Determine if funds on your prepaid card are eligible for FDIC deposit insurance coverage.
- Prepaid Cards What to Know and Do (Consumer.gov)
  Understand the fees and limitations associated with prepaid cards.

Other Helpful Resources
- Educational Resources for Choosing the Right Card Account (CFPB)
  Empower yourself by knowing how to read the terms and conditions of payment cards and choosing the best option for you. See the credit cards page and the prepaid cards page within the Consumer Education section of the CFPB's website to learn more.

Last updated: 11/28/2023