Fair Credit Act of 1974, explains how creditors are to respond promptly and fairly to consumers complaints, the credit billing act involves store card and bank card accounts. Examples, Searss cards, are store cards that are used in any sears department store. However, if a consumer purchase an item with their card, and the statement that comes in the mail shows additional chargers were issued. Any customer has the right to call the customer service number to have the problem corrected immediately. On the other hand, banks accounts service provides an over draft refund once a year. So, if a customers makes too many purchases that over charges their account. Each consumer has their right to one refund.