credit cards

7 tips for winning a credit card dispute

Asserting 'claims and defenses'
Next
Slide 7 of 8
Back
Asserting 'claims and defenses'

If a merchant made a mistake on your bill and you didn't catch it within two months of its appearance on your statement, you still have an option.

Even after the 60-day window for reporting a billing error to your card issuer, you have the right to ask for a correction of a merchant billing mistake and withhold payment of the disputed amount by citing "claims and defenses," says Bowne.

To do this, you must not have paid the disputed amount, says Bowne. As long as your balance has remained higher than the disputed amount, you've preserved your rights, she says.

How to do it: Even if you speak by phone, write a letter to the merchant outlining the mistake. Include copies of anything that proves your argument and ask the retailer to correct the problem.


Next
Slide 7 of 8
Back

 

 

 

advertisement

Editorial Disclaimer: The editorial content is not provided or commissioned by the credit card issuers. Opinions expressed here are author’s alone, not those of the credit card issuers, and have not been reviewed, approved or otherwise endorsed by the credit card issuers.

Show Bankrate's community sharing policy
          Connect with us
Product Rate Change Last week
Cash Back Cards 17.67%  0.30 17.37%
Low Interest Cards 12.68%  0.07 12.61%
 
Search
advertisement
advertisement
advertisement

Credit Card Blog

Robin Saks Frankel

Frequent diners: New Capital One credit card pays 3%

Foodies get your forks ready. Capital One just launched its Premier Dining Rewards card, which earns an unlimited 3 percent back on dining.  ... Read more


Connect with us