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7 tips for winning a credit card dispute

A winning hand
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A winning hand

Do you want to hold a winning hand throughout the credit card dispute process?

In phone conversations, stay calm and never raise your voice -- even if the person on the other end of the phone does.

Do the same with the letters. Be organized, factual and polite. Avoid speculation. Act "like a civil adult," says France.

Be persistent "if it's a legitimate claim," she says. "Especially if it's a high-dollar claim, I wouldn't necessarily take the first 'no' as the final statement."


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