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We have answers to the most popular questions from our customers. If you can't find an answer to your question, please contact us.
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How to get your cards annual fee waived Call your issuer. See if your issuer will waive the fee in exchange for card usage. Ask your issuer to match another offer. Ask to cancel. Use military benefits. Switch to a different card. Earn rewards to offset the fee. Apply for a card that doesnt charge a fee.
How can you avoid credit card surcharges? As a consumer, you have options to avoid surcharges. These include using cash instead of a credit card to make a purchase, or using a debit card, for which surcharges cannot be applied. You can also choose to shop at businesses that do not charge these fees.
Find the latest copy that was mailed to you or sign in to your account online to see it there. As you read your credit card statement, youll see a transactions section. Here, youll find details about all the transactions on your account, including purchases charged to the card during the last billing period.
There are a few ways to look up unfamiliar credit card charges: Use a search engine to look up the words in the description of the charge on your statement - exactly as it appears. See if your card issuer has its own merchant search tool by calling the number on the back of your credit card.
Each time a merchant accepts and processes a credit card transaction, they pay a processing fee to the appropriate financial institution. A credit card surcharge (or cc surcharge) is a fee enforced by the merchant to compensate for some of the cost of payment processing.
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People also ask

Effective April 15, 2023, Visa has implemented a reduction in the permissible merchant surcharge to the lower of: (a) the merchant discount rate (MDR) for the applicable credit card or (b) 3%. The MDR is the fee charged to the merchant by the payment processor for credit card transactions.
What You Should Do If You Dont Recognize a Charge Try Online Research. Check Your Calendar. Ask Anyone Who May Have Access to Your Card. Contact the Merchant. Contact the Retailer. Contact Your Card Provider. Track Your Expenses. Take Steps to Protect Your Card.
Once you notify your bank or credit union about an unauthorized transaction (that is, a charge or withdrawal you didnt make or allow), it generally has ten business days to investigate the issue. The bank or credit union must correct an error within one business day after determining that an error has occurred.
Card issuers charge a merchant fee whenever you use your credit card. The merchant is expected to cover this fee to process credit card payments. However, those fees can add up. In some cases, businesses pass these fees on to consumers in the form of surcharges to avoid incurring the additional costs themselves.
What if theres an unknown charge? Review your receipts. Review all your receipts from the date associated with the unknown transaction to see if you can find the purchase. Search the merchant name. Check with any authorized users. Talk to the merchant directly.

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