What protect credit card users' rights and how their information is gathered and used?

Credit card users' rights are primarily protected by regulations such as the Fair Credit Billing Act (FCBA) and the Truth in Lending Act (TILA), which ensure fair practices in billing and transparency in lending terms. Financial institutions must inform users about how their information is collected, used, and shared, typically through privacy policies. These policies outline data usage for purposes such as fraud prevention, marketing, and creditworthiness assessments. Users have the right to dispute unauthorized charges and access their credit reports, which helps safeguard their financial information.