YOUR MONEY
CREDIT, COLLEGE, TAXES AND REAL ESTATE
If you used a credit card overseas between February 1, 1996, and November 8, 2006, you may be eligible for at least a $25 rebate check from your credit-card issuer.
A class-action suit against MasterCard, Visa, Diners Club and Bank of America, Bank One/First USA, Chase, Citibank, HSBC/Household, MBNA, and Washington Mutual/Providian for not disclosing the foreign-currency transaction fees they charged wended its way through the courts for over a decade. Credit-card issuers finally agreed to settle and created a $336-million fund.
Blake Hutson, who spent more than two months traveling in Guyana and Trinidad and Tobago, knows he's due some money. He's just trying to decide between taking the $25 automatic refund or digging up receipts in hopes of receiving more than $100.
You can submit claims in one of three ways:
If you took only one to three trips abroad and spent less than $2,500, it's a matter of entering your name, address, signature and credit-card number on the Easy Refund form to receive $25.
If you spent more, answer a few questions for the Total Estimation Refund, based on typical travel-spending patterns.
Business travelers and those who traveled extensively using Citibank, Bank of America or JPMorgan Chase cards and can document their spending should file for the Annual Estimated Refund, which could pay out as much as 3% of your total outlay.
Get the forms at www.ccfsettlement.com and file online, by mail or by fax (856-662-3955) by May 30.



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