| If you've ever opened your monthly credit card | | | | Step 3: Contact your credit card company. At first, |
| statement only to find a charge that wasn't authorized | | | | you'll be directed to a general customer service |
| by you, read on. Disputing a credit card charge isn't as | | | | representative who will go over the preliminary details |
| difficult as you might think, and filing a dispute doesn't | | | | with you, cancel your existing credit card, and initiate |
| have to take you all day either. | | | | the process of sending you a replacement. After |
| So if you've been a victim of credit card theft or an | | | | you're done there, you'll be transferred to the fraud |
| unauthorized charge, grab a pen and paper and take | | | | department where you will spend a few minutes |
| notes. These easy to follow steps will make the | | | | answering questions related to the charges. Once your |
| process of disputing a credit card charge a piece of | | | | report has been completed, they'll mail you a form that |
| cake. | | | | you'll need to sign off on which simply states that the |
| Step 1: If you share the credit card with anyone else in | | | | purchases in question were not made by you. |
| your family, be sure to mention the purchases to them | | | | Typically, you have 30 days to return this form to the |
| and see if they were responsible. Many times, | | | | credit card company. |
| purchases are made by other family members and | | | | This entire process should take you a total of 1-2 |
| are mistaken for fraudulant charges. | | | | hours. As you can see, disputing a credit card charge |
| Step 2: Make a notation of all charges that appear on | | | | is not as big a deal as many would believe and you |
| your bill which you do not recognize. Simply grab a | | | | don't even have to "fight" your credit card company to |
| yellow highlighter and highlight each transaction in | | | | avoid paying for the unauthorized charges. |
| question. | | | | |