Question 1

What does statement balance mean on a credit card?

Accepted Answer

Statement balance means the exact amount you owed when your billing cycle ended. Paying this amount in full by the due date helps you avoid interest charges on purchases (during the grace period). It differs from your current balance, which includes new transactions made after the statement was generated.

Question 2

What is a jumbo mortgage?

Accepted Answer

A jumbo mortgage exceeds the conforming loan limits set by the Federal Housing Finance Agency (typically $766,550 for most areas as of 2024, higher in expensive markets). Because they can't be purchased by Fannie Mae or Freddie Mac, they're riskier for lenders and typically require higher credit scores, larger down payments, and may have higher interest rates.

Question 3

What is a chargeback?

Accepted Answer

A chargeback reverses a credit card transaction, returning funds to your account. Request chargebacks for unauthorized charges, goods not received, defective products, or merchant fraud. The process can take 60-90 days.

Question 4

How do I cancel automatic payments?

Accepted Answer

Contact both the merchant to cancel authorization and your bank to stop payment. Notify at least 3 business days before the scheduled payment. Confirm cancellation in writing and monitor your account for any subsequent charges.

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Frequently Asked Questions

What does statement balance mean on a credit card?

What is a jumbo mortgage?

What is a chargeback?

How do I cancel automatic payments?

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