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Practical Money Matters Radio Series

January 20, 2014
How To Dispute a Credit Card Charge

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What steps should you take to contest a charge on your credit card?


Federal law protects your rights during credit card billing disputes and outlines the process for contesting charges. Billing errors covered by the law include fraudulent use of your card, math errors and failure to post payments or other credits.

Most disputed transactions must be reported within 60 days of the statement date when the error appeared.

Contact the merchant and try to resolve the dispute directly with them. If this doesn't work, contact your credit card issuer, which is obligated to investigate the dispute on your behalf. If there is a mistake, the card issuer must explain the corrections it will make, credit your account and remove all finance charges or fees.

Bottom line: Federal law has your back on incorrect credit card charges.

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