Theft or Loss of Your Card
If your card is lost or stolen, report it
immediately by calling the toll free
number on your statement. If you report
it immediately, you will not be responsible
for more than $50 of charges made after
the loss or theft. If you do not report a lost
card, you will be responsible for all later
charges. This can affect your credit rating.
Stolen credit card numbers, identity
numbers, and other personal
information is a major problem
in the U.S. To learn how to protect
Appleseed would like to thank JAM Latino and Mark Robinson
for their invaluable contribution to the drafting and design
of this brochure series.
Federal Trade Commission
Consumer help line: 1-877-382-4357.
Identity theft line: 1-877-438-4338.
Fannie Mae Foundation
Free guides on credit and home loans.
Call toll free: 1-800-611-9566.
Housing and Urban Development
Free advice on home buying.
Call toll free: 1-800-569-4287.
www.hud.gov or www.espanol.hud.gov
Online Consumer Help:
Federal Reserve Bank
Brochures on credit, finances, and how to buy
a car or home.
Financial education materials from U.S.
Call toll free: 1-888-MYMONEY (696-6639).
Call the Attorney General’s office in your state if
you believe that a provider of goods and services
has treated you unfairly.
To download all of the brochures in this series,
log on to www.appleseeds.net
More is Not Better!
Having more than two credit cards —
especially if they are credit cards from stores
— can lower your credit score on your credit
report. It also can lead to spending more
money than you can pay back. If you have a
bad credit report, it will be more expensive or
even impossible to obtain new loans.