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Show HILL TOP TIMES July 18, 1380 Buying on credit has been in the news lately. Everyone has been warned that unless they use good judgment in credit buying they lost or stolen, the maximum amount for which a consumer is liable is $50. can get into deep financial trouble. Entitled to review info Beware of those little plastic squares called "credit cards." Recognize when credit cards are an asset or when they are a detriment. If you are denied credit because of a bad credit report, you are entitled to review the information contained inthe report and if there is a mistake you have the right to challenge the information. Pointers for credit card use The following information should be remembered if you make credit card buying your life style. If a credit card is lost or stolen and the card is used after the consumer has reported it lost or stolen, the consumer is not liable for any purchases made by the unauthorized user. If there is a billing error, the Fair Credit Billing Act sets up a procedure for promptly correcting billing mistakes without damage to your credit rating. If you think your bill is wrong, or you want more information about it, notify the creditors in writing within 60 days of the billing. Be sure to write to the address the creditor lists for billing inquiries. If a credit card is lost or stolen and the card is used before the consumer reports it as If you are charged for defective goods or services, the Fair Credit Billing Act also GO OFF THE Must know cost of buying g S Sii deep You must be told how much credit costs. The Act requires creditors to give you certain basic information about the cost of buying on credit. The creditor must tell you, in writing and before you sign a ng END! -- ',r contract, the finance charge and the annual percentage rate. The finance charge is the total dollar amount you pay to use the credit, including interest charges and any other fees. The annual percentage rate is the percentage cost of credit on a yearly basis. Credit cards are convenient to have if used properly. V i I ! . hi i i I h: 1 ' i in Jay Viilley's III ill 1 SMOSMTIM ' (SIMM 250 E. GENTILE ,1 m 19 DON'TSL provides that you may withhold payment on or poor any damaged or shoddy goods services a with credit card quality purchased as long as you hae have made a real attempt to solve the problem. Truth-In-Lendi- Page : i " V : LUMCIS SPECIAL ISarbequed Chicken wf nj Moll U Salad, Chips, & Llvo I I Entertainment - Girls - Girls Pool Tablos lea Cold Boor Girls lt Open: 11:00 A.M. to 2:00 A.M. VU I I .I-..' ' ! j if If BI :OUlfl - - -ilTUU J ; i . i - ! ; PUJ-- I - i I'll. I - M4Hi . ivw,t , r '. 'mi the ifi that .'gives Fr a lifetime of-pleasur- new uoiesyit Gold Overlay 14 Karat With new Factory Warranty Chain j' ...saw-;- ra'jOTtk, by ff 1 SCHOOL DEMONSTRATOR APPLIANCES (CARPET Plushes Sculptured IndoorOutdoor Commercial 'in FURMDTURE Hide-a-be- ds ; Sofas Dinette Lamps Tables Etc. i-- ; u A' y J A touch of continental fashion in elesant chain styles for men and women. Surpnsinsly affordable 14 Karat Gold Overlay chain has a layer of 14 Karat Gold on every visible surface for a truly luxurious look. Impressive sift packasing, too. From $15 to $100 'Meets all U S Government standards (or trademarkmg PJlerl's 025-075- 16 s. r.iAiti Jewelry 2 CLEARFIELD |