Discover Introduces a Checking Account, Dealing with Disputes Related to Credit Cards

Besides the recent launch of checking account, currently the working of Discover has gone beyond the plastic to encompass student loan, mortgages, money market account, and deposit certificates. The company is wooing the customers and encouraging them to opt for their checking accounts with a number of incentives. For example, one can earn a 10% reward for each check, bill payment, or purchase of debit card. Customers can also go for, free paper checks. One of the reasons why credit card companies like Discover are able to provide free accounts since they do not have costly infrastructures to maintain or deal with the myriad complexities related to maintaining bank branches.

Those who believe in online banking can surely benefit immensely from this new endeavor from Discover.

How to deal with errors related to credit card transactions

Credit card (CC) owners everywhere need to deal with disputes arising in relation to the plastic repeatedly. Account errors are nothing new and there are times when one finds bills for purchases never made or double billing for same transactions. If the credit is late in coming or there is some or other problem related to the credit card currently owned, it is possible to seek card protection advice or legal help. Those who find errors in their credit card transactions should immediately contact the merchant related to the issue. This can surely speed up the procedure and rectify errors.

Consumers can ask for full refund from the business responsible for the confusion. In cases where the merchant fails to respond as expected, consumers can contact the CC issuing company for charge backs. This process reverses the transaction by removing it from the due bills of the customer, while charging the merchant instead. The Fair Credit Billing Act is specifically for the protection of consumer rights and one can seek justice through it when all else fails.