What to Do If a Merchant Charges Your Card Without Permission?

Learn how to dispute unauthorized credit card charges quickly and effectively.

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If a merchant charges your card without permission, first contact the merchant to resolve the issue. If not addressed, notify your bank immediately to dispute the charge. Provide supporting documentation and follow up on your claim. Additionally, monitor your account for any unusual activity and consider changing your card information to prevent further unauthorized charges.

FAQs & Answers

  1. What should I do first if I find an unauthorized charge? Immediately contact the merchant to resolve the issue before disputing with your bank.
  2. How long do I have to dispute a charge? You typically have 60 days from the date of the statement showing the unauthorized charge to officially dispute it.
  3. Can unauthorized charges be refunded? Yes, if the charge is proven unauthorized, you can usually get a refund from your bank or credit card issuer.
  4. How can I prevent unauthorized charges on my card? Regularly monitor your account, use alerts for transactions, and consider using virtual cards for online purchases.

Watch More

For more tips on safeguarding your financial information and handling unauthorized charges, check out our related videos on credit security and dispute processes.

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