The National Coalition for Consumer Education and MasterCard International created the following quiz to help consumers find out how smart they are about buying on credit:

• What’s the best way to correct a mistake on your credit card bill?

a Call your credit card issuer immediately and explain the mistake.

b Circle the mistake in red and return the bill to your card issuer.

c Immediately write a letter to your credit card issuer and clearly describe the problem.

• How should you handle an unauthorized charge (a purchase that you didn’t make) if you see one on your credit card statement?

a Write a letter to the company that accepted your card for payment to absolve yourself of any liability.

b Call your credit issuer immediately to alert them.

c Note the error on your credit card bill and refuse to pay it.19