MONEY · YOUR RIGHTS

DISPUTE A CREDIT CARD CHARGE

The 60-day rule that protects you

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THE LAW

Fair Credit Billing Act

Federal law protects you from billing errors on credit cards.

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THE DEADLINE

60 days

Dispute within 60 days of the statement that shows the error.

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WHAT COUNTS

Errors and fraud

Wrong amounts, double charges, items never delivered and refunds not given.

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STEP 1

Try the seller first

For quality problems, contact the merchant and keep the emails.

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STEP 2

File in writing

Use the card app or write to the billing inquiries address.

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YOUR RIGHT

Don't pay that part

You can hold the disputed amount, but pay the rest on time.

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THE TIMELINE

Up to 90 days

The issuer must acknowledge within 30 days and resolve it within 2 billing cycles.

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DEBIT CARDS

Different rules

Report a lost debit card within 2 business days to limit your loss to $50.

File photo: Nenad Stojkovic / Wikimedia Commons, CC BY 2.0

FREE U.S. GUIDE

Get your money back

What to write, what proof to keep and how debit cards differ.

nexgenheadlines.com

Photos: Wikimedia Commons (CC BY / CC BY-SA) and public domain, shown as file photos. General information, not legal or financial advice.