How do I dispute a charge on my credit card?
Steps to Dispute a Charge
First, try to resolve the issue with the merchant directly. Many problems are simple mistakes that the merchant can fix quickly. If that fails, contact your credit card issuer. You can typically file a dispute through your online account, by calling the number on the back of your card, or by writing a letter.
Under the Fair Credit Billing Act (FCBA), you must dispute the charge in writing within 60 days of the statement date to preserve your legal rights. However, many issuers allow disputes up to 120 days or more. Provide details: date, amount, merchant name, and why you're disputing.
- Try to resolve with the merchant first.
- Contact your card issuer: online, phone, or mail.
- Submit dispute within 60 days for FCBA protection.
- Provide evidence: receipts, emails, photos.
- Keep copies of all correspondence.
What Happens Next
The issuer will investigate, which may take 30 to 90 days. They may issue a temporary credit to your account while investigating. If they find in your favor, the charge is removed permanently. If not, the charge stands. You can appeal if you disagree.
For debit cards, the process is similar but governed by the Electronic Fund Transfer Act (EFTA), and you must report within 60 days for full protection. Debit card disputes may have different timelines and provisional credit rules.
Common mistakes
- Waiting too long to dispute—many people miss the 60-day deadline.
- Disputing without contacting the merchant first—issuers often ask if you tried.
- Not providing enough documentation—this can slow down or derail your dispute.
