There may be any number of reasons why you might dispute a credit card charge or credit card transaction. Fraudulent purchases made in your name, charges to you for services or items you never received, and services that you were not happy with and later decided to cancel payment on, are just a few of the types of credit card charges that you should be able to eliminate or reverse.hard assign bill charges

In actuality these are common occurrences that most people have encountered at one time or another. Knowing your rights and what to do can help you to resolve these situations and make life easier. Needless to say, the first thing you must do is carefully check your statements each month to make sure there are no irregularities or suspect charges. Then you must be aware of what to do.

If you dispute a charge for a service or item that you were not satisfied with, but already paid for by credit card, believe it or not you may be able to eliminate the charge. If you can have it reversed by the merchant fine, but if they refuse you can report it immediately to your credit card company and possibly have the charge reversed to the merchant you had complained to without results.

For charges you did not authorize or make, there are laws protecting you. The Fair Credit Billing Act limits your responsibility to only $50. You need to call your credit card company to report the charges and they will instruct you on what to do next. You may be asked to sign a form, and be sure not to use your card while the charge is being disputed. Also check with the three credit bureaus to make sure your credit has not been impacted. These things apply of course unless it is just a small charge or minor item, however you must follow up and check all your subsequent statements to eliminate the chance of identity theft. For more information you can contact the Fair Trade Commission.hard assign bill charges

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