Regarding instant credit cards should be of interest to you also. Although it is generally good to have established credit accounts, too many accounts may have a negative effect on your score. Federal law provides specific rules that the card issuer must follow for promptly correcting billing errors. The card issuer will give you a statement describing these rules when you open the account and, after that, at least once a year.
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If you report the loss before the card is used, federal law says the card issuer cannot hold you responsible for instant credit cards any unauthorized charges. If a thief uses your card before you report it missing, the most you will owe for unauthorized charges is $50.
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You must notify the card issuer in writing within60 days after the first bill containing the error 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.
