This everyday guide to being a smart shopper is full of helpful tips about preventing identity theft, understanding credit, filing a consumer complaint, and more. Use the margins to make notes, write questions, or record other useful information. We have a California Consumer Guide available for immediate download. You can also download business complaint forms here:
As a knowledgeable consumer, you should always be on the alert for ripoffs and questionable deals. In order to avoid becoming a casualty, keep these matters in head:
1. Beware of tax and pay day refund loans. Interest rates on these loans are normally excessive. A cash loan on a charge card may be a much better choice.
2. Understand and read any contract or legal document you are requested to sign. Don’t sign a contract with blank areas or where the conditions are incomplete.
3. Get rough ideas from several contractors for dwelling or auto repairs. Make sure that the estimations are for the identical repairs for a reasonable comparison.
4. See the cash register display, when spending on your purchases. Speak up, if you believe the cost that’s been billed is wrong.
5. Ensure you comprehend and accept return policies and the shop’s refund, particularly for services and facilities that bill monthly fees, before you buy.
6. Do Not purchase under pressure. Avoid making big ticket purchases during occasions of duress (e.g., managing with a departure or debt).
7. An offer that seems overly great to be true generally is! Keep clear of assurances to mend your credit troubles, reduced-interest credit card offers, deals that let you work-at-house job opportunities, risk-free investments, skip credit card repayments, and free traveling.
8. Do Not discuss private information with somebody you do not know or trust. Learn the way to understand fraud.
We have a California Consumer Guide available for immediate download. You can also download business complaint forms here: