Chip Lupo, Credit Card Writer
@CLoop
To dispute a First Digital Mastercard® you must inform Sutton Bank of the dispute in writing. You may call customer service about the dispute at 1 (844) 358-0074, though they are not obligated to investigate unless you give a written notice. The address to dispute a charge by mail is:
First Digital Card
P.O.Box 85650
Sioux Falls
SD 57118
First Digital Card disputes are typically resolved within 90 days, though more complex issues may take a little longer. Sutton Bank does not allow you to dispute a charge online.
Once you’ve initiated the dispute, Sutton Bank will then contact the merchant and review any information provided by both parties. You won’t be charged for the disputed transaction, nor any associated fees or interest, while the dispute is under investigation. And you can still use your First Digital Card card as you normally would while a dispute is ongoing.
Sutton Bank will notify you of the outcome of the dispute after they’ve completed their investigation. They will either issue a chargeback to your account for the contested amount, or allow the charge to stand. If the disputed charge is ruled to be valid, you would then have to pay that amount, including any applicable fees and interest charges that accrued during the dispute, starting from the original purchase date.
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