Website design By BotEap.comWhen you receive your credit card statement, you may be surprised to see some charges you never knew about. There may also be some charges that you may find exorbitant and unapproved by you. All of these charges will create a dispute between you and the merchant in question. If you are systematic in dealing with such unauthorized charges, most of the time you will successfully get your money back.

Website design By BotEap.comHere are seven helpful tips to successfully resolve these disputes in your favor.

Website design By BotEap.com1. Gather all useful information about the dispute or charge before proceeding. Find out if the amount is wrong or if the money is being charged without your approval. There may be some charge from a merchant unknown to you. In all of these circumstances, try to collect receipts, invoices, warranties, and all other related documents that support your claim.

Website design By BotEap.com2. Please try to resolve the dispute with the merchant first. Many merchants are prepared to investigate your complaint and will correct errors immediately. There may be a genuine error. Perhaps an item from another customer might have been charged to your account or the waiter must have misread the amount of the tip. These are common mistakes and can be resolved through mutual discussion.

Website design By BotEap.com3. Complaint is also an art. You may be upset about the mistake, but if you are rude or impolite, it will hurt your case. It is always recommended to use sentences like ‘I ask for your help’ or ‘I have a problem’.

Website design By BotEap.com4. If your effort is unsuccessful, you can turn to the credit card company. If a merchant is unwilling to correct the transaction or a merchant is not known, the customer must report that transaction to the issuing credit card company within 60 days from the date of the charge. If the dispute involves an unauthorized transaction, it’s a good idea to quickly call the credit card company and follow up with a written complaint. While filing a written complaint, send certified mail to obtain proof of delivery. Under the Fair Credit Billing Act (FCBA), the credit card company must correct the error within 90 days of receipt of such written notice.

Website design By BotEap.com5. When a transaction is disputed, the customer is not required to pay the amount of increased interest on the transaction. However, you must pay the other charges that are not related to this transaction. If the dispute is resolved in favor of the merchant, the credit card company may charge interest from the date of the dispute in addition to the original amount of the charge.

Website design By BotEap.com6. Credit card companies will classify disputes into various categories. You must start the dispute in the most appropriate category. Instead of a category like ‘merchandise not received’, the category ‘unauthorized transaction’ will be handled with the highest priority and will have more protection. However, make sure that the transaction is not actually authorized before filing such a complaint.

Website design By BotEap.com7. If the dispute is not resolved to your satisfaction, be prepared to move to a higher level. You can go to your state Attorney General or the Federal Trade Commission with your complaint. Many times the simple act of filing a complaint with these authorities can be very effective. Filing a lawsuit is your last option as it is very expensive.

Website design By BotEap.comOnce the dispute is resolved, you should thank the concerned persons who helped you resolve the dispute. These people may not be responsible for the mess and we greatly appreciate your feedback.