You have 60 days to dispute a credit card charge, per the Fair Credit Billing Act of 1974. The 60 days starts from the day the statement containing the erroneous charge was mailed to you or made available online (if you’re enrolled in paperless billing). So waiting for a paper statement to arrive in the mail could cost you at least a few of those 60 days,whereas you can examine your statement online right away. You can typically start the dispute process online or by giving the card’s issuer a call. The issuer must acknowledge your dispute within 30 days of receiving it and resolve the matter within 90.
Here’s how long you have to dispute a credit card charge:
You have 60 days from when the relevant monthly statement was sent. That’s the postmark date for paper statements or the sent date for an email statement.
The issuer must send a written acknowledgement within 30 days of receiving your dispute. They must evaluate your claim and contact you with their decision within 90 days of receiving the dispute. If they agree with you, you’ll get a refund. Otherwise, you’ll still have to pay for the charge.
The credit card’s issuer may ask you to submit your dispute in writing, along with proof that the charge is incorrect, like receipts or a police report.
Because of the limited time to dispute, you should always go over your statements right after you receive them. Make sure there’s no charges you didn’t make, no wrong amounts, no inflated tips, and no items that arrived damaged that were not refunded.
If you review your monthly statement online, you may see a button to dispute charges. Otherwise, call the number on the back of your card to reach the issuer’s customer service and explain the situation.
While 60 days usually is plenty of time to dispute a credit card charge, it’s always a good idea to be proactive. Waiting too long might mean having to pay more than you really owe.
You should do it as soon as possible. You've only got two months before it's too late.
WalletHub Answers is a free service that helps consumers access financial information. Information on WalletHub Answers is provided “as is” and should not be considered financial, legal or investment advice. WalletHub is not a financial advisor, law firm, “lawyer referral service,” or a substitute for a financial advisor, attorney, or law firm. You may want to hire a professional before making any decision. WalletHub does not endorse any particular contributors and cannot guarantee the quality or reliability of any information posted. The helpfulness of a financial advisor's answer is not indicative of future advisor performance.
WalletHub members have a wealth of knowledge to share, and we encourage everyone to do so while respecting our content guidelines. Please keep in mind that editorial and user-generated content on this page is not reviewed or otherwise endorsed by any financial institution. In addition, it is not a financial institution’s responsibility to ensure all posts and questions are answered.
Ad Disclosure: Certain offers that appear on this site originate from paying advertisers, and this will be noted on an offer’s details page using the designation "Sponsored", where applicable. Advertising may impact how and where products appear on this site (including, for example, the order in which they appear). At WalletHub we try to present a wide array of offers, but our offers do not represent all financial services companies or products.