Credit Cards - Disputing a Charge

There are two ways to dispute a charge with your credit card company:

• Billing Errors: You can dispute a billing error up to 60 days after the date your bill was issued. Some credit cards give you more time, but make sure you dispute the error as soon as possible.
• Claims and Defenses: You can assert claims and defenses up to one year after the date your bill was issued. You can assert claims and defenses only if all the following are true:
  1. The disputed amount is over $50;
  2. The seller is in the same state as you or within 100 miles of your billing address (this requirement may not apply if you bought the item online or by phone);
  3. You already made a good-faith effort to fix the issue with the seller; and
  4. You have not already paid the full amount of the disputed charge—if you already paid the credit card company, you cannot get a refund.