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How-to · Consumer help

Dispute a wrong charge on your credit card bill

Call your card company about a billing error right away, then send a written notice within 60 calendar days.

Steps

5 steps
  1. Call your card company right awayTell them about the problem as soon as you see it.
  2. Send a written billing error noticeSend it within 60 calendar days after the charge appeared on your statement.
  3. Keep copies and note your callsWrite down the dates of follow-up calls and keep everything together in one file.
  4. Watch for the company's letterThe company has 30 days to confirm it received your dispute, unless it has already finished resolving the error.
  5. Read the outcomeIf the company says the bill is correct, it must tell you why in writing, how much you owe and when it is due.

Bring

  • Your credit card agreement
Charges for defective goods or services may use a different dispute process.

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