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Navigating credit card statements can sometimes feel like decoding a complex puzzle, especially when an unfamiliar or incorrect charge appears. While the initial reaction might be panic or frustration, rest assured that federal law provides significant protections for consumers facing such discrepancies. The Fair Credit Billing Act (FCBA) is your shield, offering a clear framework and crucial rights when disputing billing errors on your credit card. Understanding this powerful legislation and the step-by-step process it outlines is key to resolving issues efficiently and protecting your financial well-being.
