HERE'S WHAT TO DO IN CASE OF ERRORS
OR INQUIRIES ABOUT YOUR BILL
The Federal Truth in Lending Act requires prompt correction of
billing mistakes.
If you want to preserve your rights under this law, here's what
to do if you think your bill is wrong or if you need more informa–
tion about an item on your bill:
Do not write on the bill. On a separate sheet of paper write (you
may telephone your inquiry but
doing
so
will not preserve your
rights under this law)
the following information:
• Your name and account number.
• A description of the error and an explanation (to the extent you
can explain) why you believe it is an error.
• If you only need more information, explain the item you are not
sure about and, if you wish, ask for evidence of the charge,
such as a copy of the charge slip. Do not send in your copy of
a sales slip or other document unless you have a duplicate
copy for your records.
• The dollar amount of the suspected error.
• Any other information (such as your address) whieh you think
will help the creditor to identify you or the reason for your com–
plaint or inquiry.
Send your billing error notice to the address stated on your bill.
Mail it as soon as you can, but in any case, early enough to
reach the creditor within
60
days after the bill was mailed to you.
The creditor must acknowledge all letters pointing out possible
errors within
30
days of receipt, unless the creditor is able to
correct your bill during that 30 days. Within
90
days after receiv–
ing your letter, the creditor must either correct the error or
explain why the creditor believes the bill was correct. Once the
creditor has explained the bill, the creditor has no further obliga–
tion to you even though you still believe that there is an error,
except as provided in the paragraph marked *. After the creditor
has been notified, neither the creditor nor an attorney nor a
collection agency may send you collection letters or take other
collection action with respect to the amount in dispute; but
periodic statements may be sent to you, and the disputed amount
can be applled against your credit limit. You cannot be threat–
ened with damage to your credit rating or sued for the amount
in question, nor can the disputed amount be reported to a credit
bureau or to other creditors as delinquent, until the creditor
has answered your inquiry.
However, you remain obligated to
pay the parts of your bill not in dispute.
If it is determined that the creditor has made a mistake on your
bill, you will not have to pay any finance charges on any disputed
amount. If it turns out that.the creditor has not made an error,
you may have to pay finance charges on the amount in dispute,
and you will have to make up any missed minimum or required
payments on the disputed amount. Unless you have agreed that
your bill was correct, the creditor must send you a written notifi–
cation of what you owe; and if it is determined that the creditor
did make a mistake in billing the disputed amount, you must be
given the time to pay which you normally are given to pay un–
disputed amounts before any more finance charges or late
payment charges on the disputed amount can be charged to you. ·
*If the creditor's explanation does not satisfy you and you notify
the creditor
in writing
within
10
days after you receive his expla–
nation that you still refuse to pay the disputed amount, the
creditor may report you to credit bureaus and other creditors
and may pursue regular collection procedures. But the creditor
must also report that you think you do not owe the money, and
the creditor must let you know to whom such reports were made.
Once the matter has been settled between you and the creditor,
the creditor must notify those to )Nhom the creditor reported you
as delinquent of the subsequent resolution.
If the creditor does not follow these rules, the creditor is not
allowed to collect the first $50 of the disputed amount and finance
charges, even if the bill turns out to be correct.
If you have a problem with property or services purchased with
a credit card, you may have the right not to pay the remaining
amount due on them, if you first try in good faith to return them
or give the merchant a chance to correct the problem.
The Federal Truth in Lending Act and the Utah Uniform Consumer
Credit Code require prompt correction of billing mistakes.
The Federal Equal Credit Opportunity Act prohibits creditors
from discriminating against credit applicants on the basis of
sex or marital status. The Federal agency which administers
compliance with this law concerning this store is Equal Credit
Opportunity, Federal Trade Commission, Washington, D. C.
20580. The Equal Credit Opportunity provisions of the Utah
Uniform Consumer Credit Code are administered by the Depart–
ment of Financial Institutions, 10 West Broadway, Suite 331,
Salt Lake City, Utah 84101.
Illinois Law requires the following Notice: (a) No applicant may be denied a
credit card on account of the applicant's sex or marital status. (b) The applicant
may request the reason for rejection of his or her application for a credit card.
(c) No person need reapply for a credit card solely because a change in marital
status hall caused a deterioration In the person's financial position. (d) A person
may hold a credit card In any name permitted by law that he or she reg arly
uses and is generally known
by,
so long as no fraud is Intended thereby.
Notice to the Buyer: Do not sign this credit agreement before you read it or If It contains any blank spaces.
You are entitled to a completely filled In copy of the credit agreement you sign. Keep It to protect
your legal rights. You have the right to pay In advance the full amount due.
I acknowledge receipt (for retention) of this Retail Credit Agreement.
I/
Vice President
and Treasurer
APPLICANT'S SIGNATURE
SPOUSE'S SIGNATURE
(for Joint Accounts only)
DATE
DATE
Merchandise listed below may be purchased on Time Payment.
Air cleaners
Dinnerware
Hassocks
Patio covers
Stereos
Air conditioners
Doors
&
windows
Hair drYers
Phonographs
Storage buildings
Antennas
Draperies
&
drapery hardware
Health aids
&
accessories
Plumbing-heating supplies
Tape decks, recorders,
Appliances, electric
Electrical goods
Home appliances, electrical
Portable heaters
accessories
Automotive supplies
Hunting equipment
Pool tables
Televisions
Bath equipment
Exercise equipment
Kitchen cabinets
&
sinks
Pools and pool equipment
Tennis tables
Bedspreads
Farm equipment
Lamps
Power tools
&
accessories
Tents
Boats
Fencing
Lawn
&
garden equipment
Radios
Tires
Building materials
Fireplaces
&
equipment
Lighting fixtures
Range hoods
&
fans
Tools
&
equipment
Calculators
Floor coverings
Luggage
Ready-to-finish furniture
Typewriters
Trailer accessories
Cameras
&
equipment
(except bathroom rugs
&
Mattresses and springs
Rug shampooers
Transceivers
Campina equipment
bathroom carpeting)
Mirror consoles
Security devices
Vacuums
Carriages
&
strollers
Floor polishers
Mini bikes
Vanities
Carpeting, indoor/outdoor
Fur coats (over $200)
Mobile home accessories
Sewing machines
Carports
Furniture
Motorcycles
Shelving
Venetian blinds
Clocks
Musical instruments
Shutters
Wall coverings, decorations
Cookware sets
Garage doors
&
openers
NurserY equipment
Silverware, stainless steel
Water heaters
&
softeners
Garden tools
&
equipment
Skis, snow
Welding equipment
Dehumidifiers
Glassware
Office equipment
Slipcovers
Wheel chairs
Diamonds
Guns
r
Outboard motors
Sporting goods
Wrist watches
&
fine jewelry
336
JCPenney
·
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