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you've ever opened your every month credit card statement only to ascertain a charge that wasn't authorized along you, peruse ashore. Disputing a credit card charge isn't for tough as you might muse, and filing a dispute doesn't must take you all day both.
So if you've been a martyr of honor card theft alternatively one unlawful charge, grab a pen and paper and take notes. These effortless apt emulate steps ambition make the process of disputing a credit card charge a chip of bread.
Step 1: If you share the credit card with anybody another in your family [link widoczny dla zalogowanych], be sure to advert the purchases to them and look if they were responsible. Many periods [link widoczny dla zalogowanych], purchases are made by additional family members and are mistaken for fraudulant charges.
Step 2: Make a notation of all charges that emerge on your bill which you do not recognize. Simply grab a yellow highlighter and highlight each transaction in question.
Step 3: Contact your credit card company. At 1st, you'll be directed to a general buyer service representative who will go over the preparatory details with you, cancel your existing credit card, and initiate the process of bringing you a replacement. After you're done there, you'll be transferred to the deceit division where you will spend a few minutes answering questions related to the charges. Once your report has been completed [link widoczny dla zalogowanych], they'll mail you a fashion that you'll need to sign off on which simply states that the purchases in question were not made by you. Typically, you have 30 days to return this manner to the credit card company.
This plenary process should take you a aggregate of 1-2 hours. As you tin see, disputing a credit card charge is not as huge a handle as many would deem and you don't even must "fight" your credit card company to avoid disbursing for the unauthorized charges.