Disputing Credit Card Charges: What You Need to Know


Hello friends, have you ever experienced being charged for something on your credit card that you didn’t purchase or authorize? It can be frustrating and stressful, but don’t worry because you have the right to dispute those charges. In this article, we’ll go over the basics of disputing credit card charges and what you need to know to protect yourself.

What are Credit Card Disputes?

Credit card disputes occur when you as a cardholder challenge a transaction on your card statement. This can be due to an incorrect charge, an unauthorized transaction, or a billing error. Disputes can also arise from issues with goods or services provided by the merchant or if the goods or services were not delivered as promised.

Types of Credit Card Disputes

There are three main types of credit card disputes:

  1. Merchandise or service disputes
  2. Fraudulent transactions
  3. Billing errors
Merchandise or Service Disputes

If you are not satisfied with the merchandise or services you received, you can dispute the charge with your credit card issuer. This could happen if you received a damaged or defective product, were charged for a service that was not performed, or were charged twice for the same transaction.

Fraudulent Transactions

If you notice a transaction on your credit card statement that you did not make, it may be due to fraudulent activity. In this case, you should immediately report the fraudulent transaction to your credit card issuer. Many issuers offer fraud protection, so you won’t be responsible for the unauthorized charges.

Billing Errors

Billing errors can happen if there was a mistake in the amount charged, if a payment was not credited to your account, or if there was an incorrect transaction posted to your account. You can dispute a billing error with your credit card issuer, and they will investigate the issue and correct any errors.

How to Dispute Credit Card Charges

Disputing credit card charges can be a time-consuming process, but it’s important to take action as soon as possible. Here are the steps you can take to dispute a credit card charge:

  1. Review your credit card statement to identify any unauthorized or incorrect charges.
  2. Gather any supporting documentation, such as receipts or confirmation emails.
  3. Contact the merchant first to try to resolve the issue. Keep a record of your contact with the merchant.
  4. If the merchant is unable to resolve the issue, contact your credit card issuer to dispute the charge.
  5. Provide your credit card issuer with any supporting documentation and a detailed explanation of the dispute.
  6. Your issuer will investigate the dispute and may issue a temporary credit while they investigate.
  7. Wait for the outcome of the investigation, which may take up to 90 days.

What Happens After You Dispute a Charge?

Once you dispute a charge, your credit card issuer will investigate the issue and make a decision about whether to remove the charge from your account. If the issuer agrees with your dispute, they will remove the charge from your account and issue a credit. If the issuer disagrees with your dispute, they will provide an explanation for their decision and you may need to pay the charge.


If you are unsuccessful in resolving a dispute with your credit card issuer, you can request a chargeback. A chargeback is when your issuer reverses a transaction and returns the funds to your account. Chargebacks can be a lengthy and complicated process, so it’s best to try to resolve the issue with the merchant and issuer first.


In conclusion, disputing credit card charges can be a stressful experience, but it’s important to take action to protect your finances. By knowing your rights as a cardholder and taking the necessary steps to dispute a charge, you can ensure that you are not held responsible for unauthorized or incorrect charges on your account. Remember to always review your credit card statement carefully and report any issues as soon as possible.


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