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Credit Issues and Credit Cards

As beneficial as credit cards may be, there are notorious stories surrounding them and how they can quickly sink you into debt. Most of these tales have arisen from the fact that credit card offers or credit loans are written in legalese meant to distract or confuse the average consumer. Without a careful eye for credit issues, you might be signing a contract that is far worse than it appears on the surface.

If you live in Texas and have experienced credit issues, consumer protection law attorneys from The Law Offices of Alex R. Hernandez, Jr. PLLC can help you. For nearly 15 years, we have been dedicating our practice to the protection of people just like you through consumer class action lawsuits. Despite our experience and ability to recognize commonplace problems in cases involving credit card disputes, we do not allow ourselves to take cookie-cutter approaches; every client is unique, and we treat them that way.

Relief from credit issues could be just a phone call away! Dial (855) 232-1418 today.


For many years, there has been legislation controlling how credit card companies may present themselves and their services. Mainly, acts have been passed to ensure that consumer rights are protected and no dishonest business practices are conducted.

Some of the acts that address credit issues are:

  • Fair Debt Collection Practices Act
  • Fair Credit Reporting Act
  • Truth in Lending Act
  • Fair Credit Billing Act

In 2009, another act – the Credit Card Accountability, Responsibility, and Disclosure (CARD) Act – was put into effect, bringing even more protection to consumers. Not only does this bill’s creation show that progress is being made to shield consumers, but also that credit card companies and lenders continue to try to exploit those who are not totally familiar with their credit issues, contracts, or the law.

The Credit CARD Act brought about a few noticeable changes, including:

1. Interest rate on existing balances cannot change if payments are made on-time.
2. Credit card rate increases are grounds for you to opt out.
3. Any rate or fee increase must be announced 45 days before instatement, up from 15.
4. Double-cycling billing is outright banned.


One of the major issues with credit loan and credit card law is that most people are simply unaware of their own rights. It is not a form of litigation that is brought up commonly in the media due to the general opaqueness of the matters it covers. Not knowing you had particular rights certainly does not strip them from you, however. With our consumer law attorneys in your corner, you can begin fighting back against unfair treatment from credit card companies. When the going gets tough, we can do all the heavy lifting for you. Through our consumer class lawsuits, we may be able to leave you comfortable, collected, and able to focus on other matters that may be more important to you, such as your family or business.

There could be multiple solutions to your credit issues. Get your case evaluation from our team today and we can start exploring your options.

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Locations & Contact

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Main Office, Corpus Christi:

921 N. Chaparral Suite 100
Corpus Christi, Texas 78401

Phone: 361-792-3811

San Antonio Office:

300 Convent Suite 1330
San Antonio, Texas 78205

Phone: 210-960-9008

Austin Office:

700 Lavaca Suite 1400
Austin, Texas 78701

Phone: 512-640-4009

Edinburg Office:

506 W. University
Edinburg, Texas 78539

Phone: 956-307-4577

Houston Office:

1700 Post Oak Boulevard 2 Blvd Place
Houston, Texas 77056

Phone: 713-660-7018

Laredo Office:

1100 Matamoros Suite 200
Laredo, Texas 78040-7804

Phone: 956-606-4284

Dallas Office:

2911 Turtle Creek Suite 300
Dallas, Texas 75219

Phone: 972-363-6616

El Paso Office:

231 N Kansas, 7th Floor
231 N Kansas, 7th Floor

Phone: 915-777-3310

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