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Focuses on a promotion offered by credit card companies to give cash back on purchases during months when consumers do not pay off their monthly balance. Percentage of Americans carrying a balance on their credit cards; Details of rewards-for-balances programs offered by Citigroup Inc's Citibank, Bank of America Corp. and Providian Financial Corp.; How the American Express Blue Card program works; Range of interest rates charged by credit card companies, suggesting the program does not make economic sense for the consumer.

Answers a reader's question regarding a credit card company denying a disputed charge. Services related to consumer disputed offered by the Customer Assistance Group (CAG); Value of contested charges that were returned to consumers as the result of CAG actions; Information the credit card company must provide to an individual; Phone number and Web site for CAG.