Credit Card Charge Disputes: Act Fast, Document Everything, Win Your Case

• The clock for disputing a credit card charge often starts from the transaction date, not when you notice the problem, making early action crucial.
• While card networks like those in India allow around 120 days for common disputes, banks often impose shorter internal deadlines (e.g., 30-45 days).
• When you raise a dispute, the amount is temporarily credited, but this is a placeholder, not a final refund, pending merchant response and bank review.
• Winning disputes relies on detailed proof: order confirmations, booking details, screenshots, tracking records, and evidence of attempts to resolve with the merchant.
• Common mistakes include delaying filing to gather 'perfect' proof, mixing multiple issues, and failing to follow up on bank requests for information.

Why It Matters: Act immediately on wrong charges, document meticulously, and follow up consistently to win credit card disputes.