Hi! Thanks for writing! I am not sure that I understand your question exactly right, so I will interpret it as best as I can and hopefully provide helpful answers!
If you bought a thing or a service with your credit that you want to return or cancel, then you would contact the vendor you bought it from, follow the procedure to return it. and the vendor would issue a refund directly to your credit card. If you accidentally hit "Buy" in a website and didn't mean to, you would again contact the vendor directly to clear up the problem. If a thing or service is defective, again, you'd first contact the vendor. If they won't help, you'd go into your credit card account online or call your credit card company to file a dispute on that particular charge. The credit card company will have much more clout and power than you will to resolve a defective item, and they will help you. It's worth the time to fill out and follow up with the dispute form.
If you were charged wrongly for a thing or service you did NOT buy, again, first, contact the vendor to get them to remove the charge. If they say "Buzz off," you'd go into your credit card account online or call your credit card company to file a dispute on that particular charge. As mentioned above, the credit card company will have much more clout and power than you will to resolve a defective item, and they will help you. It's worth the time to fill out and follow up with the dispute form.
I have had great luck with getting credit card companies to help me when a vendor treats me poorly, is unfair, or is crooked. I hope that you will too if you have an incorrect charge that needs to be resolved.
I hope this answers your question! If not, please write back to us! Have a good day.
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