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What Is a Valid Reason to Dispute a Credit Card Charge?

Learn what constitutes a valid reason for disputing a credit card transaction and how to properly file a dispute.

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Video transcript

A valid reason for dispute can be unauthorized transactions on your credit card. If you notice charges that you didn’t make or recognize, it's important to raise a dispute with your credit card company immediately. Provide all necessary documentation and details to support your claim and maintain records of all communications for future reference.

Questions and answers

  1. What qualifies as a valid reason to dispute a credit card charge?

    A valid reason includes unauthorized transactions, charges for goods or services not received, or incorrect billing amounts.

  2. How do I file a dispute with my credit card company?

    Contact your credit card issuer immediately, provide details and documentation of the disputed charge, and keep records of all communications.

  3. How long do I have to dispute a credit card charge?

    Typically, you should file a dispute within 60 days of the statement date on which the charge appeared, but check your card issuer’s policies.

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For more insights on managing your credit and protecting yourself against fraud, check out our related videos on credit card fraud prevention and steps to take after identifying unauthorized transactions.