HOW TO DISPUTE A CHARGE ON YOUR CREDIT CARD
Below is a MRR and PLR article in category Finance -> subcategory Credit.
How to Dispute a Charge on Your Credit Card
Disputing a charge on your credit card can seem daunting, but it’s a straightforward process if you follow these steps. Here's what you need to know:
Steps to Dispute a Charge
1. Contact Your Creditor:
Write to the creditor at the "billing inquiries" address found on your statement. Include your name, address, account number, and a detailed description of the error.
2. Timing is Key:
Send your letter promptly. It must arrive within 60 days after the bill with the error was mailed to you.
3. Creditor Response:
The creditor must acknowledge your complaint in writing within 30 days. They must resolve the dispute within two billing cycles, not exceeding 90 days.
Handling Unauthorized Charges
- If your credit card is used without your permission, you might be liable for up to $50 per card.
- Report the loss immediately to avoid liability. Most issuers offer 24-hour toll-free numbers for emergencies.
- After a phone report, follow up with a letter including your account number, the date you noticed the card was missing, and when you reported it.
Disputing Merchandise or Service Issues
- You can dispute charges for unsatisfactory goods or services.
- Purchases must be made in your home state or within 100 miles of your billing address and over $50, unless the seller is the card issuer or there’s a special relationship between them.
- Try to resolve the issue directly with the seller first. No special procedures are needed for this.
If these conditions don’t apply, consider filing in Small Claims Court.
By following these guidelines, you can effectively challenge incorrect charges on your credit card.
You can find the original non-AI version of this article here: HOW TO DISPUTE A CHARGE ON YOUR CREDIT CARD.
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