How to Dispute a Charge on Your Credit Card
The Fair Credit Billing Act gives you 60 days and a written dispute right. Use both.
Table of contents
The 60-day written window
The 60-day written window. This is where most people either build leverage or lose it, and the difference is almost always documentation rather than legal knowledge.
Start by writing down what happened in plain chronological order, with dates and dollar amounts. That timeline becomes the factual spine of your demand letter and, if it comes to it, your small claims exhibit list.
What the issuer must do
What the issuer must do. This is where most people either build leverage or lose it, and the difference is almost always documentation rather than legal knowledge.
Put every step in writing, keep dated copies, and send anything important by certified mail. Companies respond to documented, deadline-bearing requests very differently than to phone calls that leave no record.
Generate Your Demand Letter
Free to preview, $2 to download as PDF or DOCX — statute-cited and ready to send.
Start freeChargeback vs. billing error
Chargeback vs. billing error. This is where most people either build leverage or lose it, and the difference is almost always documentation rather than legal knowledge.
Put every step in writing, keep dated copies, and send anything important by certified mail. Companies respond to documented, deadline-bearing requests very differently than to phone calls that leave no record.
If the dispute is denied
If the dispute is denied. This is where most people either build leverage or lose it, and the difference is almost always documentation rather than legal knowledge.
Put every step in writing, keep dated copies, and send anything important by certified mail. Companies respond to documented, deadline-bearing requests very differently than to phone calls that leave no record.