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a mischaracterization of the described goods or services or dispute concerning the established quality of goods or services provided to the cardholder." Let's start with consumers' legal rights.The Fair Credit Billing Act was passed in 1975 as an amendment to the Truth in Lending Act.Look for this logo to find out who is looking to hook up tonight!Anchorage, Alaska Atlanta, Georgia Austin, Texas Boise, IDBoulder, Colorado Chicago, Illinois Columbus, Ohio Detroit, Michigan Honolulu, Hawaii Indianapolis, Indiana Jackson, MSKansas City, Missouri Las Vegas, Nevada Lexington, KYLos Angeles, California Manhattan, New York Memphis, TNMiami, Florida Milwaukee, Wisconsin Minneapolis, MNNashville, Tennessee Nashville, TNNew Orleans, Louisiana Oakland, California Omaha, Nebraska Phoenix, Arizona Pittsburgh, Pennsylvania Raleigh, North Carolina Rochester, New York San Jose, California Seattle, Washington St.It removes a charge from a cardholder's bill and -- through the middlemen -- "charges back" the amount to the merchant.(See "How credit card transactions work.)" It's a big stick for the consumer.One section of the act (Section 170) covers disputes about the quality of goods or services.

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