HERNDON, Va. - BankCard Holders of America has launched a web site on the Internet to advise consumers of their credit rights.

Internet browsers will be reminded that credit card surcharges tacked on by some merchants are not allowed by Visa, MasterCard, and American Express, and that both Visa and MasterCard prohibit minimum spending requirements.

The web site, located at http://www.epn.com/bha, also offers suggestions on how to avoid excessive holiday debt.

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