Credit Card Wrong Charge? Dispute It Right: A Step-by-Step Guide

• Regularly review your credit card statements beyond just the total amount due to identify unrecognized or incorrect charges.
• Before disputing, thoroughly check the transaction; merchant names can differ, or it might be a forgotten recurring charge or a supplementary card transaction.
• For billing errors like un-reversed cancellations, contact the merchant first for a quicker resolution and keep confirmation of refunds.
• If the merchant cannot resolve it, raise a formal dispute with your card issuer via internet banking, app, helpline, or written request, providing clear details and supporting documents.
• File disputes promptly within the typical 30-60 day limit from the statement date; pay the undisputed portion of your bill to avoid interest and late fees.