Credit, Debit, Gift and Prepaid Cards
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.
Using a Credit Card (FTC)
Regardless of whether you are using your credit card to buy a laptop or laundry soap, you have rights and responsibilities under the law.
Español Tarjetas de crédito: Sus derechos y obligaciones
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.
- Credit Card Debt During Coronavirus: Relief Options and Tips (CFPB)
Gift and Prepaid Cards
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.
Gift Cards (FTC)
Learn about the different types of gift cards and tips for buying and using them.
Español Tarjetas de regalo
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.
- Gift Cards: Tips for Consumers (OCC)
Other Helpful Resources
What You Need to Know About Payment Cards
Empower yourself as a consumer by knowing how to read the terms and conditions of payment cards (credit cards, charge cards, debit cards, and prepaid cards).
- What You Need to Know About Payment Cards