FAIR OR NOTConsumer guides
How to get out of subscriptions, avoid traps, ask for your money back and report unfair practices.
How to Cancel a Subscription
Step-by-step help to cancel subscriptions on iPhone, Android, PayPal, or directly with a company, plus what to do when a business makes canceling hard.
Read guide →Free Trial Traps and How to Avoid Them
Learn how free trials quietly turn into paid plans, how to spot weekly pricing and pre-checked boxes, and simple ways to avoid being charged.
Read guide →Hidden Fees and Junk Fees: What to Watch For
How hidden and junk fees work, including drip pricing and resort, service, and convenience fees, plus what the FTC's fee rule covers for tickets and hotels.
Read guide →Dark Patterns: Design Tricks That Push You to Spend
A plain guide to dark patterns, the design tricks sites and apps use to push you into buying, signing up, or staying subscribed, and how to resist them.
Read guide →How to Dispute a Charge
How to dispute an unwanted charge: ask the merchant first, use credit card and debit card dispute rights, request app store refunds, and keep good records.
Read guide →Where to Report Unfair Charges and Business Practices
Where to report hidden fees, subscription traps, and unfair billing: the FTC, CFPB, your state attorney general, the FCC, app stores, and the BBB.
Read guide →Your Rights With Automatic Renewals
A plain guide to automatic renewal rules: the federal ROSCA law, the status of the FTC's click-to-cancel rule as of October 2026, and state auto-renewal laws.
Read guide →How to Spot an Overpriced App
Simple checks to spot overpriced apps: do the yearly math on weekly prices, look for free built-in features, check reviews for billing complaints, and more.
Read guide →How to Do a Subscription Audit
Find every subscription you pay for by checking app store lists, bank and card statements, PayPal, and your email, then decide what to keep or cancel.
Read guide →How to Negotiate Lower Bills
A calm, practical guide to calling your internet, phone, or insurance company to ask for a lower price, plus what retention offers are and how to keep notes.
Read guide →How to Get an App Store Refund
How to request a refund for an app, in-app purchase, or subscription from Apple or Google Play, what to include in your request, and what to expect next.
Read guide →What to Do When a Subscription Raises Its Price
Got a notice that your subscription price is going up? Learn how to read it, when app stores ask for your OK, and how to cancel or downgrade in time.
Read guide →Helping Older Relatives With Subscriptions
Respectful ways to help parents or grandparents find unwanted subscriptions, avoid trial traps, set card alerts, and share access only with permission.
Read guide →Buy Now, Pay Later: The Basics
How buy now, pay later loans work, what late fees and autopay can mean for your budget, how it may affect your credit, and what the CFPB says to check first.
Read guide →Why Property Insurance Costs So Much
Plain-language look at why home and commercial building insurance can cost a lot, even where claims seem rare, plus practical steps to compare and lower cost.
Read guide →How to Check Insurer Profits and Rate Filings
Learn where to find insurer financial reports, loss ratios, and state rate filings yourself, what the numbers mean, and how to get help from your state.
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