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March 31st, 2008 at 2:30 am
Quick Post
I just want to mention I was ripped off…. [Comment moved to this post]
April 1st, 2008 at 6:34 pm
http://mokenman.wordpress.com/ has a current GISOL review!
April 1st, 2008 at 10:11 pm
Quick Post
Below is a copy of an email that I sent to the LA District Attorney regarding GISOL…. [Comment moved to this post]
April 7th, 2008 at 8:41 pm
I shall do everything to get gisol down. Thanks for lovely representative who asked would i get more pisst off if they hang up on me and then hung up. WAY to GO GISOL thanks!!! superior customer service what you shall not get anywhere else … lovely
April 9th, 2008 at 6:34 pm
Signed up for a 200.75 hosting account… [Comment moved to this post]
April 10th, 2008 at 10:16 pm
I would like to add my experience to this site in support of others who have been ripped of by GISOL… [Comment moved to this post]
April 14th, 2008 at 2:10 pm
Please place my post where ever you see fit:
Here is my story. Not over yet.
Ok, my story is… [Comment moved to this post]
April 15th, 2008 at 8:35 pm
Holy Cow!!!
I just got ripped off by gisol. $3200 worth
How can they get away with that???
April 17th, 2008 at 6:08 am
I have really REALLY bad impression AND experience of Gisol. Their support has sucked big time and they fradulently charged me for 3 years hosting.
I dare to say fradulently as their rep lied to me and the system besides having been set to monthly billing and indicating credit should be made hasn’t done so. All their support does is refer to email addresses that noone responds to. Not only worst ISP but probably worst company I have ever dealt with.
April 17th, 2008 at 5:26 pm
Everyone that has been ripped off via fraud, please report them to the police:
My signature was… [Comment moved to this post]
April 18th, 2008 at 12:12 am
I was asked to provide some more details from my experience, so here is an extract… [Comment moved to this post ]
April 23rd, 2008 at 11:14 pm
GISOL has struck again!
I, as well as my wife, have been scammed by GISOL… [Comment moved to this post]
April 24th, 2008 at 7:13 pm
Gisol…stay away from this company… [Comment moved to this post]
May 2nd, 2008 at 9:15 pm
Dear ######,
Thank you for choosing GISOL, Inc. for your Web hosting needs. We look forward to working with you to make sure you get the most of your account, and we wish you success with your online venture.
We have received and processed your payment of $1,798.20.
This payment covers your setup fee and the first
36 MONTHs.
TOTAL BS these guys need to go down!
May 9th, 2008 at 6:43 pm
I had a very bad experience with GISOL. Last week I…
[Comment moved to this post]
May 9th, 2008 at 7:47 pm
DC,
Don’t fret. It seems $1,789.20 must be…
[Comment moved here]
May 10th, 2008 at 10:05 pm
Flazzle,
If I want to file a case of forgery with the district attorney, do I file in my home state (Georgia) or in California?
My story is similar to many I’ve read on this site. In January 2008 I signed up for a $190 account and was charged on my Discovercard for a $1798 upgrade. And now today, after four months of disputing the $1798 charge, Discovercard has decided in gisol’s favor because they produced a forged contract/receipt with my signature. Apparently Discovercard has taken that as the ultimate proof, and completely ignored the documentation that I gave them (and I documented everything!!!), including the fact that I logged-in (which I didn’t want to do) and cancelled the account.
May 10th, 2008 at 10:10 pm
Dorothy,
I’m not from the States, but I’m under the impression you are supposed to complain to your state’s AG, but it will do no harm and will probably help, if you complain to BOTH.
Mike.
May 10th, 2008 at 10:50 pm
Flazzle,
Thank you so much for your reply…
[Comment moved here]
May 10th, 2008 at 11:09 pm
The following is the service contract that GISOL sent to me to sign, I posted it for your reference:
[Comment moved to this post]
May 12th, 2008 at 10:33 am
I was just browsing some new hosts and found that according to some reviews that xwebhosing was top of the pile.
I had a quick at their demo site builder and low and behold it was the site studio 1.7 the same thats used by gisol.
Should I smell a rat?.
May 12th, 2008 at 1:50 pm
will,
If it is Gisol, xwebhosting’s contract is no where near as watertight. I believe that Site Studio is a standard sitebuilder packaged with some webhosting.
With xwebhosting though it might actually work!
Keep looking though - they may start up another webhosting company, and we want to be on their backs from the start!
Mike.
May 16th, 2008 at 6:12 am
Dorothy,
After I have read Service Contract from GISOL, you need to file your complaint in CA.
Good luck and best wishes!
I am fighting with GISOL to get my money back too!
May 20th, 2008 at 2:53 pm
I ordered web space from http://www.gisol.com/ on May 11, 2008. The deal
was one year at around $7 a month. After hitting submit a popup told me that I would receive a phone call to complete my order. The total order was to be $80 something with taxes. I was called the next day. A very deceptive and fast talking sales man told me at first that there was a better deal than the one I had signed up for. After digging and arguing with him I dug out of him that they would charge my credit card 1800 for 3 years, and then I would get a rebate that would bring the charge down to $5 a month or so.
At this point I told him, no thanks I would take the deal that I had signed up for. He then told me that I was not eligible for that deal because I had had an account with them 2 years ago and the deal was for new customers only. I told him then in that case I do not want to order anything, either the deal listed on their website, or I am not ordering anything. He told me that it was too late and that I would need to cancel online. I canceled online that
night as soon as I was able to get to a pc. GISOL still charged my account 1798.20 for a 3 year subscription that I did not order. I have disputed the charge with my credit card company. I have filed with the IC3 and BBB.
May 20th, 2008 at 10:12 pm
I just read Tensux’s post, and it infuriates me that gisol is still getting away with these tactics. Can we write a joint letter/petition, with ALL of our names on it, and send it to all the major credit card companies and banks. Amercan Express already has gisol on an “automatic chargeback” list, which is why I think gisol says they’re not taking AMEX anymore (I read that somewhere on a post). Discover Card has refused my chargeback twice, but I refuse to give up and am now planning to write to the CEO. If there is anyone out there who has gotten a successful gisol chargeback from DC, would you please let me know, it could help my case.
Dorothy
May 21st, 2008 at 4:27 am
Dorothy,
It sounds like a good idea, but people are a bit suspicious of giving out names etc to people they don’t know. A couple of people are trying to collect names on the site.
Sounds like a good plan to write to the CEO of DC. Get his name and write on the envelope “Private and Confidential”. It may get straight to him avoiding his PA binning it.
BTW, I keep getting emails back from the site from your email address saying your mailbox is full. Please can you do a cleanup. You must be missing out on lots of mail.
Thanks,
Mike.
May 22nd, 2008 at 5:18 am
I have submitted news submissions regarding our stories to…
-MSNBC 05/20/08
-FOX News 05/21/08
-CNN 05/21/08
-ABC News “Nightline” 05/21/08
I will be submitting our story to other resources as well. I will also continue to send our story to the ones I already have (allowing them some time to respond first) until I hear a response from them. I will keep everyone informed hear as to who else I submit our story to and send you personal emails regarding responses I recieve. Thanks again for your support.
Gary
May 22nd, 2008 at 5:57 pm
Thank you, Gary, and everyone who is keeping this alive. I just sent out 50+ pages of documentation today to my credit card company (US Bank — anyone have experience with them yet?) as well as all of the orgs on the “report them!” page of this site. Anyone who hasn’t sent it to the A.G. of CA and L.A. D.A. should definitely do so.
May 22nd, 2008 at 11:16 pm
I was so sorry to see so many people have been ripped off by GISOL, but I’m glad to know that I’m not in this fight alone.
GISOL’s own invoice states that our bill was $1,078.20 for three years of service. They charged our credit card more than $1700. We tried for months to get this resolved to no avail. When we disputed the charge with our credit card company, GISOL took our site down and refuses to put it back up even though they claim they won and got the full $1700 plus— after winning arbitration. Now, we’re out $1700plus and have no webite. Has anyone filed a class action suit?
May 23rd, 2008 at 12:33 am
Hi Lisa,
Is there any chance that you could re-dispute with your credit card company? Try getting the CEO’s name off the internet and writing to him/her with the envelope headed ‘Private and Confidential’. You could also try writing to the head of the fraud dept if you can get their name. Ask when you ring.
Can you prove that you are not recieving the service you ‘paid for’ from Gisol? If so, you should be able to claim the money back. You can also take them to the small claims court if you live near LA, or could get there. It doesn’t cost much and Gisol didn’t turn up when Julie took them to court. Read her story.
Also, don’t forget to “Report Them!” to as many places as you can.
May 23rd, 2008 at 3:21 am
Gary,
Thank you so much for submitting our stories to the news channels. It is good to let more people know how bad the GISOL is and less people were ripped off from the GISOL.
I am fighting with GISOL for my money back. Recently GISOL forge a billing statement which hadn’t never sent to me, copied one of my digital signature from Service Contract and pasted on the billing statement. They dared to send this document to the credit card company. Now I have the evidence of their forged document and signature. If you need support materials, please let me know.
I subscribed their two-year plan for $85.40 as what they told me in February, actually they charged me $1789.20 on my credit card without my authorization. I asked them to cancel my service, never got any reply. From February, they never reply me any emails.
Since I am disputing transction with them, today I first received their email for order status. Because they want to use it as an evidence to against me.
Who should I report to if they forged the document and my signature?
May 23rd, 2008 at 3:29 am
Here is my letter to the credit card company:
Dear Ms XXX:
Thank you for sending me the copy of the documents the Global Internet Solutions (GISOL) has provided. I just received it today. I am still going to dispute the transaction due to the following reasons; you can see the comments on each page that I faxed to you for more details.
1. GISOL forged my signature by copying it from Service Contract. By comparing both documents, you will see that both documents were signed by me with the exact same signatures and at the exact same time. How could that happen? GISOL forged the document to prove that I authorized them to charge me $1789.20 on my credit card.
2. GISOL didn’t provide me the privileges to use their service. If I have used their service, GISOL should have the log or other documents to prove when and from which IP address I used their service. Like what I said in the previous fax, I called them and sent an email to them on February 25, 2008 to cancel the service before I used the service, I didn’t get any response from GISOL. I have never received any email from GISOL for my service request. If they claimed that they did, please ask GISOL to show the proof.
I also attached several user posts on the web about how GISOL faked the proof and some users successfully disputed their money back with the help of their credit card providers.
XXX, it is about 1:17 AM on May 16, 2008. I am still collecting all the evidence and fighting with GISOL to dispute the transaction. Do you believe a Chase customer with good credit history (You are very welcome to investigate my personal credit history) or a company with “F” rating in BBB?
Thank you for your assistance!
May 23rd, 2008 at 4:03 am
dc
I have been contacted by a Chase customer who has just been successful with their chargeback! I’ll ask if I can have her details and send them by email to you. It can only help if you send that to Chase also.
May 23rd, 2008 at 9:58 am
Mike,
Thank you so much for this information. I think her experience will be very helpful to me to dispute the charge with Chase.
I just read tensux’s post, he got the similiar experience as what I had.
May 23rd, 2008 at 12:21 pm
DC — good luck! Your letter looks really succinct and right to the point. I hope you get your money back. I reported Gisol, and sent copies of the proof that the signature was forged, to all the agencies listed on the “Report Them” tab above. I had 60+ pages of evidence and spent about $50 xeroxing and sending it all, but I’m very hopeful we’ll all see justice soon.
May 23rd, 2008 at 12:42 pm
Brenda, I didn’t think of actually sending proof to the agencies. I think that’s a great idea. I’ll write a post later urging everyone to do the same. It might actually get the ball moving. Instead of a bunch of ‘complaints’ arriving, there will be a lot of evidence of FORGERY arriving; PROOF that they are committing FRAUD, not just disputes over money.
I’ll definately send my signature proof to the LA District Attorney and the CA AGO, as it seems these are the people that will take action to get these guys in jail!
May 30th, 2008 at 3:15 am
Thank you for doing this website. This is my complaint to the CA Attorney General on May 29, 2008 — COMPLAINT AGAINST GISOL (Global Internet Solutions. In Feb 2008, I was defrauded by Gisol. When I spoke with the Gisol sales representative they promised to provide me with services at a rate of $3.57 per month for 12 months which amounts to $42.84. Instead they have charged $1798.20 to my credit card and have refused to refund the amount. They claim I agreed to a three year contract at $49.95 per month which is not what I was promised. I believe they intentionally mislead me about the terms of their contract in order to defraud me.
I have made many attempts via emails, phone calls and a trouble ticket posted at http://www.gisol.com to settle this dispute with GISOL but to no avail.
I successfully disputed the amount with my credit card company but want to file a complaint against GISOL so that you can take action against them and they do not continue to defraud others.
May 30th, 2008 at 11:35 am
Gisol has now registered their lies with the BBB, responding to my complaint posted there. I’m hoping they’re starting to sweat. Everyone PLEASE register with Mike and I’m still hoping to get a class action started.
May 30th, 2008 at 12:49 pm
Lydia,
$1798.20 really is the magic number that GISOL used to charge the cusomters without their authorization. I had the similiar experience. Please be aware that GISOL may forge a billing statement with a copy of your digital signature and send it to the credit card as a proof that you authorize them to charge the money on your credit card.
I will also file a complaint against GISOL.
May 30th, 2008 at 2:27 pm
Brenda, Gisol have just replied to my complaint with the BBB with a load of lies also. I’m going to publish a post! It’s taken them 3 and a half months to reply!
dc, I was charged $718.20. That was only because I didn’t have $1798.20 in my acount. They tried 2 higher amounts but were declined. I’m sure one of them was the magic number! They even mentioned it in their response, which is so obviously a blatant lie.
The post is http://www.report-gisol.com/2008/05/30/my-complaint-to-the-bbb-gisols-lies-in-response/
May 30th, 2008 at 11:18 pm
I too received an email from the BBB regarding a reply from GISOL. This is good! Now that they have done this our replies will be recorded as permanent record for other to see regarding GISOL. Here is my reply to the BBB….
This statement is completely false. GISOL has been forging documents by taking the online user agreement signature and copying and pasting it to documents to look as if the customer has signed an agreement which states a false dollar amount. GISOL has been charging many customer’s excessive amounts to their credit cards without their permission. The amount always seems to be $1789.20. There are several people who have inlisted me as a representitive to help fight this company (as well as taking actions their self). We have set up a website dedicated to people who have had problems with GISOL (Global Internet Solutions). Several news agencies have also taken interest to our story and will soon be proceeding with investigations of GISOL. GISOL has been reported to the LA counties Attorny’s Office and other authorities. Here is the link to our website containing just some of the people GISOL has taken advantage of.
http://www.report-gisol.com/
If an internet search is made using the search phrase “GISOL fraud” you will find MANY people who have been frauded by this company. Please do not trust or do business with this company. They will lie and do whatever it takes to commit fraud.
Gary
June 5th, 2008 at 6:13 am
Just received the followikng from the BBB
Company’s Initial Response - Posted 06/04/2008
Company emailed: Jesse contacted GISOL inquiring his domain name and the agent informed him that his domain expired because he did not renew the domain name in time. GISOL registers domain names for its customers as a courtesy and as an act of good faith emails all customers 60 days, 45 days, 30 days, 15 days, 5 days and on the day of their specific expiration date. Jesse did not reply to any email, so the domain name expired. The GISOL agent who Jesse spoke to notified him that he would need to open a new hosting account to transfer his files over and offered to upgrade the account. The agent explained to Jesse that the new account would be $49.95 per month prepaid for 36 months and would include unlimited disk space, unlimited bandwidth and the ability to host multiple domains. Jesse Lerma has been a customer of GISOL since Feb. 8, 2006, so the agent had put him on the Unlimited Upgrade/ Consolidation plan as per GISOL Policies (section) 15, c). Jesse decided to open up a new account, so the agent instructed him to visit http://www.gisol .com/ to place his order. Jesse did not reply to any email, so the domain name expired.
My Response (Not that it will do the slightest good)
1. I never succeeded in reaching anyone at GISOL who could explain why my domain name expired. The only person I ever talked to was a tech support person who claimed he could do nothing and advised me to send an email to admin@gisol.com. No one from GISOL ever responded to my emails and repeated phone calls. GISOL is lying!
2 I never received any emails from GISOL. None concerning the expiration of my domain name and none concerning why my domain name expired. GISOL is lying!
2. I never talked to any GISOL representative regarding the “need to open a new hosting account to transfer files over” nor any offer “to upgrade the account”. GISOL is lying!
3. I never talked to any agent that explained that the new account would be $49.95 per month prepaid for 36 months and would include unlimited disk space, unlimited bandwidth and the ability to host multiple domains. GISOL is lying!
4. I sent perhaps 20 or 30 emails to admin@gisol.com and called more than a dozen times to various GISOL phone numbers without ever successfully reaching anyone at GISOL that could explain why my domain expired and never regarding the status of my subscription. GISOL is lying!
June 5th, 2008 at 6:22 am
Recently received response below from class action lawyer I contacted on line regarding GISOL.
Jesse: It’s dangerous out there on the Net. I took a quick look. If you sign away your rights because you don’t read the fine print and send money to a mail drop address to a company with no physical address, that is probably in Moldavia, there is nothing a lawyer can do to help you. This is really a case for the Attorney General. Sorry we can’t help. Good luck and best wishes,
Robert W. Mills
millslawfirm.com
145 Marina Blvd.
San Rafael, CA 94901
(415) 455-1326
(415) 455-1327 facsimile
June 5th, 2008 at 8:35 am
Hi Jesse,
Don’t be disheartened by this lawyer’s reply. We currently have an attorney very interested. As yours said, he had a “quick look”. It doesn’t matter that people have signed the contract as Gisol are acting illegally (forging signatures, lying to government agencies, charging whatever they want to people’s cards, misleading/blatant lies with their advertising etc etc).
Everyone, join the class action!
June 11th, 2008 at 2:18 pm
I got feedback from my Chase Bank representative about my dispute transaction (Please refer to my quick post on May 23rd, 2008 at 3:29 am).
1. I asked the GISOL to provide the original document of the billing statement which indicates that I authorized them to charge $1789.20 to the bank. GISOL told the bank they couldn’t provide the original one. Because they forged the document and copied/pasted my digital signature.
2. GISOL couldn’t provide the bank the web logs that I used their service. Again, GISOL faked a document and copied into my account on their server machine and told the bank that they have the proof that I used their service.
Now Chase Bank wants to recharge the money on my credit account. How can I deal with that? I want to take legal action against GISOL and how can I do that?
I appreciate your suggestions and comments.
Thanks!
June 11th, 2008 at 8:00 pm
Same thing happened to me dc. They won my dispute and my CC company doesn’t want to do anything about this dispute. I think the CC companies are disgusting. I called them and asked them how they could do that to me. I provided them copies of the original package we bought online which clearly showed the final transaction of $200.75. They said GISOL fed them some bull saying that the transaction was an agreement to start the account and that it was actually $1798.20. Total BS! You get the feeling that the CC company only beleives what they say but I think it’s more likely that the CC company sticks it to us because they know we will be more likely to pay than trying to get the money back from the crooks.
I want you (and everyone else) to do what I am doing. Make note of the things I am about to say for use in opening a new dispute. GISOL is not providing me with what they say I paid for. I tried contacting them but got no reply. I have no account to use. If the CC company rules in favor of GISOL because you file a dispute of over charge, turn right around and file a new dispute for not getting what you paid for. GISOL told my CC company that I never requested to cancel or close my account. This is part of their lie to win the dispute. GISOL has either blocked me from using or closed my account. Either way they are not giving me what they say I paid for.
File a new dispute for not getting or receiving what you paid for. Then, if the CC company decides again in their favor (which they probably will for the reasons I stated above) cancel your account with GISOL, print out copies of the email to GISOL requesting to cancel so you will have them to send to your CC company as proof of canceling and then file a third dispute for the reasons of not receiving a refund for canceling an order you placed. Basically, make GISOL work for their rip off.
June 11th, 2008 at 8:26 pm
By the way. I am now using Yahoo small Business webhosting. The rates and ease of doing things are great. Unlimited disk space and unlimited bandwidth for $36 the first three months and then $11.95 a month after. Not bad for a safe feeling and the option to cancel any time. AND your dealing with a REAL company. They only allow you to associate one domain name with an account but if you have multiple domains like I do, you can go to your domains registar and use their domain forwarding with domain masking to point your extra domains to your one Yahoo webhosted domain name and by setting up the links correctly when building your webpages for those domains it will look just like each of your domains will have their own account. The address in the browser’s address bar will only show the domain name that you want to be seen. Just thought I’d put that out there.
June 12th, 2008 at 3:11 am
Gary,
Thank you so much for sharing your experience with me. I had the same feeling that the CC company would rather believe GISOL than believe their customers.
It seems to me that I can’t win this dispute because I signed the contract. But I will cancel the service as long as it reaches 8 months. The Service Contract says I have to use their service for at least 8 months before cancelling it. Once it reaches 8 months of service time, I will keep sending them emails and faxes to cancel the service. I know that they will not reply me or let me cancel the service. But I will use those as the evidence to file a new dispute.
Right now I am using LunarPages as my web hosting. It is very good and I am happy with that company. Thanks for recommending Yahoo small Business web hosting for me. I am sure that it is a good one too.
June 13th, 2008 at 3:12 pm
Gary, dc, and everyone having problems with disputes/chargebacks,
Please read:
http://www.report-gisol.com/2008/06/12/help-you-win-your-case-against-gisol/
Mike.
June 14th, 2008 at 1:58 am
I just got an encouraging letter from the AG in L.A. PLEASE everyone send in your proof to the AG. They sound like they would be willing to bring a case, but they can’t just for “an individual.” And I can swear up and down that I’m not alone, but they need to hear from you. Use the addresses Mike provided on this site. I’m still working on getting us a private lawyer, but I’ll be happy with the public one too.
June 14th, 2008 at 5:26 am
DC.
Contact your isp and get a log of your time on and off.
compare it with the faked log. only one discrepancy is enough.
Frank
June 14th, 2008 at 5:29 am
Brenda
I filed a report to the police and had it sent to LA. I also contacted Bob Filner to contact the la police to see whats going on there.
Frank
June 15th, 2008 at 2:22 am
Everyone needs to be advised. Just because you think you have a contract because you signed something. In reality it doesn’t mean you do. I feel pretty safe in saying that based on what I have seen in the complaints on this site. The likely hood that any of you are operating under a contract is very slim. At least according to the law. Your mistaken belief that you do have a contract has lead you to believe what gisol has said in regards to one. That acceptance of what gisol has said in the rebuttal on chargebacks has given the impression to the credit card companies that you do in fact have a legal contract. You may legally have an order, but I doubt seriously that many of you have a contract.
Frank
June 15th, 2008 at 3:20 am
An example of my previous post. If you enter a property that has a sign posted that says “enter at your own risk” you go in an break your leg.
If you then go to court and they ask you if you read the sign and you say yes. Then they will ask you if you understood what it meant, you will then say yes. They will then ask you to state what you believe that means and you will say that you entered the property at your own risk. They will then conclude that you willing brought this on yourself. You will lose And you will leave thinking they were right.
In reality when they ask if you read the sign you should have said, it doesn’t matter because the law says the sign doesn’t mean any thing, that the owner has a responsibility to protect people on their property. The judge would then agree and you would win.
KNOW THE LAW.
Frank
June 15th, 2008 at 2:05 pm
Don’t assume you have to be in Los Angeles to file a small claims. Check with your local courts.
And don’t just accept the quick answer. You signed your contract at home on your computer.
http://www.courtinfo.ca.gov/selfhelp/smallclaims/findright.htm
Frank
June 17th, 2008 at 4:18 am
Gisol still hasn’t paid me from a small claims case that I won. They also had the nerve to tell the BBB that I stated I received payment.
June 17th, 2008 at 4:50 am
For those of you afraid of the small claims process.
http://www.kuro5hin.org/story/2006/5/15/114512/034
Contact me through Mike. Don’t wait for him to pay you he won’t. Go after him through the court process.
And Good for you Julie, its really not that bad is it. And getting your money after you win is even easier. If you use the court process.
Frank
June 17th, 2008 at 11:07 pm
I can’t believe my credit card company “Washington Mutual”…
[Comment moved to here]
June 25th, 2008 at 1:33 pm
I’ve been reading through the stories, they all make me so sad that this company can’t be stopped. Why? I don’t understand why.
Toni
June 25th, 2008 at 1:52 pm
They WILL be stopped Toni.
It’s only a matter of time…
June 25th, 2008 at 2:39 pm
I filled out a writ of execution to send to the courts. A write of execution is a court paper which tells an officer to take property of the judgment debtor to pay the claim. So, hopefully I will be getting my money back soon. I will keep you all posted.
June 27th, 2008 at 12:33 am
Since I am working on the dispute with the CC company, I find the following link is very helpful. Basically it explains your credit card rights.
http://www.consumerlaw.org/initiatives/seniors_initiative/content/FACTSCreditCardRights.pdf