Free Trials—Read the Fine Print

Free trials are a great way to test new products, but they often come with a catch. Use these tips to make sure so you don't get billed unexpectedly.

If you give your credit or debit card number, the product is truly not free.
Read the merchant's terms and conditions carefully. Never complete a transaction without doing so. This is the part when you click a box saying you have read and accept the terms and conditions. Often you will need to cancel the membership to avoid being billed for additional products or services.
Some free trials will automatically sign you up for monthly billing from other companies, so make sure to read the fine print.
If you have a trial product and decided you don't like it, most merchants will require that you return the unused portion to receive a refund, minus shipping and handling.
The product must be returned to the merchant based on their return policy requirements. Seldom can you get by with "Return to Sender." Many companies require a Return Merchandise Authorization (RMA) number.
If you are billed after the cancellation date, you must contact the merchant to resolve the dispute. It can be difficult to resolve the claim through your credit card company if you read and accepted the terms and conditions. If you have any questions about free trials you've signed up for using your UW Credit Union credit or debit card, contact us.

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