There are many instances where you will receive a wrongful charge. This article will teach you the best ways in fighting a credit card charge.
When fighting a credit card charge, you should do it quickly and responsibly.
Retrace your steps back to the merchant where the charge came from. Get the time, date, and charge of the credit card amount from your statement and give this information to the merchant. Be nice and friendly with them and explain the situation. The merchant may remove the charge and your dilemma is over.
If the merchant will not remove the charge, you will need to write them a letter outlining the dispute. You should keep a copy for yourself, send a copy to the merchant, and send a copy to your credit card company.
Send the letter through certified mail. If you ever had to sue them over the charge, this letter will help you win your case.
When fighting a credit card charge, you should write a letter to your credit card company to let them know of the disputed purchase amount. You must do this within 60 days of being billed for the disputed charge. Send a copy of this letter, by certified mail, to the billing inquiries division of the credit card company and to the merchant.
When fighting a credit card charge, you should continue to pay your credit card bill for other items you have bought. Just because you are disputing one charge does not mean you should not pay any portion of your bill.
After you dispute a credit card charge, you need to wait for a response from the credit card company and the merchant. In many situations, the credit card company will give you the benefit of the doubt and remove the charge. Credit card companies will do this to retain your business.
If the charge is not for at least $50 then it is not technically covered under the Fair Credit Billing Act, but since most companies want to retain your business, they will take care of the charge.
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