Dispute Resolution: Getting Charges Reversed

You have strong rights to dispute incorrect or fraudulent charges. Here’s how to use them.

The Dispute Process

1. Contact the merchant first (often faster resolution)
2. If unresolved, call your issuer or dispute online
3. Provide documentation (receipts, emails, photos)
4. Issuer investigates (usually 30-90 days)
5. You receive a decision

Tips for Successful Disputes

• Act quickly (within 60 days)
• Document everything
• Be clear and specific about the problem
• Follow up if you don’t hear back
• Know the difference between fraud and merchant disputes

Last updated: January 2026 Affiliate disclosure: ShortcutBest may earn a commission when you apply through our links.