{"id":210570,"date":"2021-02-21T19:00:00","date_gmt":"2021-02-22T00:00:00","guid":{"rendered":"https:\/\/mp-2702.milesopedia.dev\/news\/how-to-dispute-a-credit-card-charge\/"},"modified":"2026-05-09T08:35:00","modified_gmt":"2026-05-09T08:35:00","slug":"how-to-dispute-a-credit-card-charge","status":"publish","type":"post","link":"https:\/\/mp-2702.milesopedia.dev\/en\/reviews\/credit-cards\/how-to-dispute-a-credit-card-charge\/","title":{"rendered":"How To Dispute A Credit Card Charge?"},"content":{"rendered":"\n<p><div>\n<p class=\"Body\"><span lang=\"EN-US\">You open your <a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/swiss\/\">credit card<\/a> statement and recoil in horror as you see an unfamiliar charge on your bill. That isn\u2019t good. However, that time you purchased something online, and it never came. Or the item was not what it was advertised to be.<\/span><\/p>\n\n\n\n<p><span lang=\"EN-US\">T<\/span>here are several situations where you may have to dispute a charge on your credit card. When that happens, it\u2019s a good idea to know how to deal with credit card companies. Here\u2019s a look at how you can dispute a credit card charge.<\/p>\n\n\n\n<p><\/div><\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-types-of-charges-to-dispute\">Types of charges to dispute<\/h2>\n\n\n\n\n\n<p>The first thing you need to do is see what kind of charges can be disputed. Here is an overall look at the three major types of charges that you will be able to dispute.<\/p>\n\n\n\n<div class=\"component component__list\"><ul class=\"wp-block-list\">\n<li>Fraudulent charge<\/li>\n\n\n\n<li>Billing error<\/li>\n\n\n\n<li>Bad service or service not delivered<\/li>\n<\/ul><\/div>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-fraudulent-charge\">Fraudulent Charge<\/h3>\n\n\n<div>\n\n<p><span lang=\"EN-US\">A <a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/itineraire-prix\/\">fraudulent charge<\/a> is pretty straightforward. This is a charge on your credit card that you did not authorize. <\/span><\/p>\n\n\n\n<p><span lang=\"EN-US\">A fraudulent charge can arise from several situations. For instance, your credit card may have been stolen, and someone could secure a purchase on your card. Perhaps your credit card information was stolen online. <\/span><\/p>\n\n\n\n<p><span lang=\"EN-US\">Also, you can experience a fraudulent charge from a company. No matter how the fraudulent charge was placed on your card, it can be disputed.<\/span><\/p>\n\n\n\n<p>It is recommended that you file a police report if you believe that you have been the victim of a stolen credit card. While this is not required, you can help law enforcement stop credit card thieves from victimizing other credit cardholders.<\/p>\n\n\n\n<p>With a fraudulent charge, there is typically no time limit for you to dispute the charge. However, the faster that you dispute the charge, the better.<\/p>\n\n\n\n<p><\/div><\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-billing-error\">Billing Error<\/h3>\n\n\n\n<p>A billing error is another charge that can be disputed. Usually, credit card companies are really good at making sure that your bills are accurate. However, there are times when errors may show up. In these cases, you will be able to dispute the charge<strong>. <\/strong><\/p>\n\n\n\n<p><strong>\u00a0<\/strong>Here are some situations where you may encounter a billing error on your account:<\/p>\n\n\n\n<div class=\"component component__list\"><ul class=\"wp-block-list\">\n<li>Charges that have the wrong amount<\/li>\n\n\n\n<li>Charges that were placed on the wrong date<\/li>\n\n\n\n<li>The credit card company did not credit a payment to your account<\/li>\n\n\n\n<li>The credit card company falsely charged you a <a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/compagnies-aeriennes\/\">late fee<\/a><\/li>\n\n\n\n<li>The credit card company falsely charged you a fee for a service that you did not use<\/li>\n\n\n\n<li>Other math errors<\/li>\n<\/ul><\/div>\n\n\n\n<p>Most credit card companies will give you up to dispute a billing error on your credit card. Therefore, you should carefully check your credit card statement each month to ensure that it is accurate.<\/p>\n\n\n\n<p><strong>\u00a0You have up to 60 days<\/strong> to send in your dispute in writing. In turn, the credit card company has up to 30 days to give you a written response.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-bad-service-or-services-not-delivered\">Bad Service or Services Not Delivered<\/h3>\n\n\n<div>\n\n<p><span lang=\"EN-US\">Yes, there are cases where you can dispute a charge due to bad service and service that was not delivered. Usually, it will be easier to dispute a charge for a product or service that was not delivered. <\/span><\/p>\n\n\n\n<p><span lang=\"EN-US\">However, it may be a challenge to dispute a charge for bad service. Therefore, when you attempt to dispute a charge for bad service, you will need an ample amount of evidence to back up your case.<\/span><\/p>\n\n\n\n<p>Note that even if the company says that their product or service is non-refundable, you can still dispute the charge. Just make sure that you have documentation that can state why the charge should be reversed.<\/p>\n\n\n\n<p>Most credit card companies give you up to 60 days to dispute a charge due to bad service or services not delivered. Therefore, be sure to dispute the charge as early as you believe that you have a reason to dispute the charge.<\/p>\n\n\n\n<p><\/div><\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-charges-that-you-can-t-dispute\">Charges that You Can\u2019t Dispute<\/h2>\n\n\n\n<p>Now that you are familiar with charges that you can dispute, let\u2019s take a look at a couple of types of charges that you will not be able to dispute:<\/p>\n\n\n\n<div class=\"component component__list\"><ul class=\"wp-block-list\">\n<li>Charges from buyer&#8217;s remorse<\/li>\n\n\n\n<li>Unhappy with purchase from an authorized user<\/li>\n<\/ul><\/div>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-charges-from-buyer-s-remorse\">Charges from buyer\u2019s remorse<\/h3>\n\n\n<div>\n\n<p><span lang=\"EN-US\">Perhaps you feel bad about paying $400 for that pair of alligator shoes. Sorry, a charge like this can not be disputed. If you ever feel that you may make a purchase that you won\u2019t like, be sure to take some time to consider if you really need that product or service. <\/span><\/p>\n\n\n\n<p><\/div><\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-unhappy-with-purchase-from-an-authorized-user\">Unhappy with purchase from an authorized user<\/h3>\n\n\n<div>\n\n<p><span lang=\"EN-US\">So your adult son just bought $300 worth of Pokemon cards on your credit card. That may not make you happy. However, if your son is an authorized user, you will not dispute the charge. <\/span><\/p>\n\n\n\n<p><\/div><\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-how-to-contact-a-major-credit-card-company-in-order-to-file-a-dispute\">How to Contact a Major Credit Card Company in Order to File a Dispute<\/h2>\n\n\n<div>\n\n<p><span lang=\"EN-US\">Just about every credit card company has a simple way to contact them to dispute a credit card charge. <\/span><\/p>\n\n\n\n<p><\/div><\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-getting-disputed-charges-off-your-credit-card\">Getting Disputed Charges Off Your Credit Card<\/h3>\n\n\n<div>\n\n<p><span lang=\"EN-US\">Be sure to check your credit card companies website to see where you can either mail or e-mail your dispute. If you have an online account with your credit card company, then there should be a section where you can dispute a charge. <\/span><\/p>\n\n\n\n<p><\/div><\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-zero-dollar-liability-policies\">Zero-Dollar Liability Policies<\/h3>\n\n\n<div>\n\n<p><span lang=\"EN-US\">Most credit card companies have what is known as a <strong>zero-dollar liability policy<\/strong>. That means that if your credit card is stolen or fraudulent charges are on your credit card, you are not liable for those charges. <\/span><\/p>\n\n\n\n<p><span lang=\"EN-US\">Be sure to check your credit card policy to ensure that you have a zero-dollar liability policy on your card. <\/span><\/p>\n\n\n\n<p><\/div><\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-chargebacks-versus-a-refund\">Chargebacks versus a refund<\/h3>\n\n\n<div>\n\n<p><span lang=\"EN-US\">When your dispute is resolved in your favour, you may either receive a chargeback or a refund. A chargeback is when the credit card reverses the charge on your card. <\/span><\/p>\n\n\n\n<p><span lang=\"EN-US\">A refund is when a credit card company pays you back for the money you already paid to cover the fraudulent charge. <\/span><\/p>\n\n\n\n<p><\/div><\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-getting-your-disputed-resolved\">Getting your disputed resolved<\/h3>\n\n\n<div>\n\n<p><span lang=\"EN-US\">Dealing with credit card companies does not have to be difficult when it comes to resolving a dispute. <\/span><\/p>\n\n\n\n<p><span lang=\"EN-US\">Be sure to have all the information that you need and be persistent. You\u2019ll be surprised by how easy it can be to resolve your credit card dispute. <b><\/b><\/span><\/p>\n\n\n\n<p><\/div><\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-disputing-a-charge-and-your-credit-score\">Disputing a charge and your credit score<\/h3>\n\n\n<div>\n\n<p><span lang=\"EN-US\">You may be wondering if disputing a charge can hurt your credit score. The answer is that disputing any charge on any credit card will not adversely affect your credit score. <\/span><\/p>\n\n\n\n<p><\/div><\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-faq-how-to-dispute-a-credit-card-charge\">Frequently Asked Questions about disputing a credit card charge<\/h2>\n\n\n\n<p>Here are frequently asked questions in <a target=\"_blank\" class=\"thirstylink\" title=\"the milesopedia facebook group\" href=\"\/go\/fbgroupe\/\" rel=\"nofollow noindex\">the milesopedia community<\/a> about this topic.<\/p>\n\n\n<aside class=\"component component__faq wp-block-milesgutenberg-faq\">\n\t\n<div class=\"component component__faq__item component__faq__item--opened wp-block-milesgutenberg-faq-item\">\n\t<div class=\"component__faq__item__title\">\n\t\t<h4 id=\"how_long_do_i_have_to_dispute_a_charge_on_my_credit_card_in_canada_\" class=\"toc_exclude component__faq__item__title__heading\">\n\t\t\tHow long do I have to dispute a charge on my credit card in Canada?\t\t<\/h4>\n\t\t<i class=\"fas fa-chevron-down\"><\/i>\n\t<\/div>\n\t<div class=\"component__faq__item__content\">\n\t\t<div class=\"component__faq__item__content__inner\">\n\t\t\t\n\n<p>For billing errors, undelivered services, or unsatisfactory products, Canadian consumers generally have up to 60 days from the statement date to file a dispute in writing with their card issuer. Fraudulent transactions have no specific deadline under the Visa, Mastercard or American Express zero-liability policies, but the sooner you report unauthorized charges the easier they are to resolve. Once a dispute is filed, the card issuer has up to 30 days to acknowledge it and typically up to 90 days to investigate and provide a final written response with their decision.<\/p>\n\n\t\t<\/div>\n\t<\/div>\n<\/div>\n\n\n<div class=\"component component__faq__item component__faq__item--opened wp-block-milesgutenberg-faq-item\">\n\t<div class=\"component__faq__item__title\">\n\t\t<h4 id=\"will_disputing_a_credit_card_charge_hurt_my_credit_score_\" class=\"toc_exclude component__faq__item__title__heading\">\n\t\t\tWill disputing a credit card charge hurt my credit score?\t\t<\/h4>\n\t\t<i class=\"fas fa-chevron-down\"><\/i>\n\t<\/div>\n\t<div class=\"component__faq__item__content\">\n\t\t<div class=\"component__faq__item__content__inner\">\n\t\t\t\n\n<p>No. Filing a dispute on your credit card has no direct impact on your credit score. Equifax and TransUnion do not record disputes, and the credit card issuer does not report the disputed amount differently to credit bureaus while the investigation is ongoing. You also do not need to pay the disputed amount during the investigation \u2013 most issuers credit it back provisionally. The only indirect risk is letting the rest of your statement go unpaid, which would affect your payment history (35% of your <a target=\"_blank\" class=\"thirstylink\" title=\"credit score\" href=\"\/?p=104538\" rel=\"noindex\">credit score<\/a>).<\/p>\n\n\t\t<\/div>\n\t<\/div>\n<\/div>\n\n\n<div class=\"component component__faq__item component__faq__item--opened wp-block-milesgutenberg-faq-item\">\n\t<div class=\"component__faq__item__title\">\n\t\t<h4 id=\"what_is_the_difference_between_a_chargeback_and_a_refund_\" class=\"toc_exclude component__faq__item__title__heading\">\n\t\t\tWhat is the difference between a chargeback and a refund?\t\t<\/h4>\n\t\t<i class=\"fas fa-chevron-down\"><\/i>\n\t<\/div>\n\t<div class=\"component__faq__item__content\">\n\t\t<div class=\"component__faq__item__content__inner\">\n\t\t\t\n\n<p>A refund is initiated by the merchant when they agree to reverse the charge \u2013 funds typically appear within 5\u201310 business days, no card-issuer involvement is required. A chargeback is initiated by your credit card issuer (Visa, Mastercard, Amex) on your behalf when you formally dispute a charge: the issuer pulls the funds back from the merchant and you receive a temporary credit while the case is investigated. Always try to resolve directly with the merchant first, since chargebacks are slower and merchants may add you to internal blocklists for future purchases.<\/p>\n\n\t\t<\/div>\n\t<\/div>\n<\/div>\n\n\n<div class=\"component component__faq__item component__faq__item--opened wp-block-milesgutenberg-faq-item\">\n\t<div class=\"component__faq__item__title\">\n\t\t<h4 id=\"what_charges_cannot_be_disputed_on_a_credit_card_\" class=\"toc_exclude component__faq__item__title__heading\">\n\t\t\tWhat charges cannot be disputed on a credit card?\t\t<\/h4>\n\t\t<i class=\"fas fa-chevron-down\"><\/i>\n\t<\/div>\n\t<div class=\"component__faq__item__content\">\n\t\t<div class=\"component__faq__item__content__inner\">\n\t\t\t\n\n<p>Buyer\u2019s remorse \u2013 simply changing your mind after a purchase \u2013 is not a valid dispute reason. You also cannot dispute charges made by authorized users you added to your account, since they are legally entitled to use the card. Cash advances, balance transfers and convenience cheque transactions are also generally not disputable, though fees associated with fraud can sometimes be reversed. For online purchases, document the issue with screenshots, emails and tracking numbers before contacting your issuer, since dispute resolution depends heavily on the evidence you can provide.<\/p>\n\n\t\t<\/div>\n\t<\/div>\n<\/div>\n\n<\/aside>","protected":false},"excerpt":{"rendered":"<p>You open your credit card statement and recoil in horror as you see an unfamiliar charge on your bill. That isn\u2019t good. However, that time you purchased something online, and it never came. Or the item was not what it was advertised to be. There are several situations where you may have to dispute a [&hellip;]<\/p>","protected":false},"author":3,"featured_media":147451,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"_relevanssi_hide_post":"","_relevanssi_hide_content":"","_relevanssi_pin_for_all":"","_relevanssi_pin_keywords":"","_relevanssi_unpin_keywords":"","_relevanssi_related_keywords":"","_relevanssi_related_include_ids":"","_relevanssi_related_exclude_ids":"","_relevanssi_related_no_append":"","_relevanssi_related_not_related":"","_relevanssi_related_posts":"","_relevanssi_noindex_reason":"","footnotes":""},"categories":[45831],"tags":[],"mc_loyalty_program":[],"class_list":["post-210570","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-credit-cards"],"acf":{"mc_approved_badge":false,"mc_card_used":null,"mc_featured_card_specific":null,"mc_hide_featured_card":false,"mc_post_checklist":{"mc_post_checklist_true":null,"mc_post_checklist_false":null}},"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v27.5 (Yoast SEO v27.5) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>How To Dispute A Credit Card Charge? | Milesopedia<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/mp-2702.milesopedia.dev\/en\/reviews\/credit-cards\/how-to-dispute-a-credit-card-charge\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"How To Dispute A Credit Card Charge?\" \/>\n<meta property=\"og:description\" content=\"You open your credit card statement and recoil in horror as you see an unfamiliar charge on your bill. 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