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You must notify the card issuer in writing within60 days after the first bill containing the error credit card consolidation was mailed to you. In your letter, include: your name; account number; the type, date and amount of the error; and the reason why you believe the bill contains an error.
Rate changes raise or lower the amount of the finance charge you credit card consolidation pay on your account. If the you are considering has a variable rate feature, the card issuermust tell you that the rate may vary and how the rate is determined, including which index is used and what additional amount [the margin] is added to the index to determine your new rate.
