Dispute a charge on your credit card

Process map by forks.world community. 12 steps, 1 layer. Tags: money, consumer.

1. You: Spot a charge that's wrong, duplicated or for something you never got
2. You: Is it fraud (a charge you didn't make)?
3. Card issuer: Lock the card, reverse the charge and send a new card
4. You: Check that your next statement is right
5. You: Contact the merchant and ask for a refund
6. Merchant: Refund it?
7. You: Gather receipts, emails and screenshots
8. You: File the dispute with your card issuer, ideally within 60 days of the statement
9. Card issuer: Often give a temporary credit while it investigates
10. Merchant: Send evidence to defend the charge
11. Card issuer: Decide who wins the dispute
12. You: Respond with more evidence or file a complaint with the CFPB

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