credit cards

7 tips for winning a credit card dispute

A case of unauthorized usage
Next
Slide 2 of 8
Back
Unauthorized usage: step one

Do you suspect theft or fraud on your account? Call your credit card issuer.

If it's a case of unauthorized usage, by law you're only liable for the first $50 in unauthorized credit card charges. Most card companies cap your liability at zero dollars if you report the charges soon after discovering them.

If you suspect someone has hijacked your card or card number, mention that in the call, cancel your old card and arrange for a replacement.

The issuer may even be able to keep a closer eye on your account for a period of time. You could also go through current charges to make certain all of them are yours.

In cases of unauthorized use -- where you suspect theft or fraud -- it can be helpful to file a police report (if possible) or fraud affidavit with the Federal Trade Commission, says Chi Chi Wu, staff attorney for the National Consumer Law Center.


Next
Slide 2 of 8
Back

 

 

 

advertisement

Show Bankrate's community sharing policy
Advertiser Disclosure
Advertiser Disclosure

The listings that appear on this page are from companies from which this website receives compensation, which may impact how, where and in what order products appear. This table does not include all companies or all available products.

          Connect with us
Product Rate Change Last week
Balance Transfer Cards 15.77%  0.06 15.71%
Cash Back Cards 16.44%  0.03 16.41%
Low Interest Cards 10.96%  0.10 10.86%
 
Search
advertisement
CARDS WEEKLY NEWSLETTER
Credit cards on a table

Get advice for managing credit cards, building your credit history and improving your credit score. Delivered weekly.

advertisement

Credit Card Blog

Jeanine Skowronski

Fewer Americans behind on credit cards

Data from TransUnion puts delinquency rates at a seven-year low, but will the trend continue?  ... Read more

Partner Center
advertisement

Connect with us