Identify the Disputed Charge

• Review your monthly statement or transaction history carefully.

• Look for unknown, duplicate, or incorrect charges.

• Confirm with family or other users before raising a dispute.

• Check if the transaction is a delayed billing or subscription.

• Note down the transaction date, amount, and merchant name.

Contact the Merchant First

• Reach out to the merchant for clarification or resolution.

• Many disputes are resolved faster directly with the seller.

• Provide proof like receipts, order details, or cancellation emails.

• Request a refund or correction if the charge is invalid.

• Keep a record of your communication with the merchant.

Notify Your Credit Card Issuer

• Call customer care or raise the dispute through internet banking.

• Use mobile apps or written letters as permitted by the issuer.

• Fill out the dispute form with transaction and reason details.

• Attach any supporting documents to back your claim.

• Most banks have a 30 to 60-day dispute window.

Investigation Process

• The bank temporarily reverses the charge in many cases.

• They investigate with the merchant and review your evidence.

• The process may take a few weeks depending on complexity.

• You may be asked for additional clarification or documents.

• Final resolution is shared by the bank once the review is complete.

Tips for Successful Dispute Resolution

• Act quickly upon noticing an incorrect charge.

• Save receipts, statements, and screenshots of the purchase.

• Follow up regularly if there’s no timely update.

• Monitor your card for future unauthorized activity.

• Be honest and accurate to avoid delays or rejection.