Disputing Credit Card Charges
Disputing credit card charges isn’t as hard as it may come across. I don’t know about you, but I’ve had to dispute credit card charges before. Maybe I was lucky. But I’ve only lost one dispute. The reason was I waited too long before disputing the charge.
A lecture seems to be in order at this point. However, lecturing is almost never taken too seriously. Because, we’ve grown immune to lectures and lecture oriented verbiage.
The very best way to keep from being involved in a credit card dispute is to be aware of each of your purchases. That is, you know not only the product. But the terms under which you are buying that item or items.
For example purposes only I’ll use a travel package from one of the multiple online travel sites. Most purchasers believe once they hit the pay link they own the airline tickets. Or the hotel reservations or whatever constitutes the purchased package.
These programs do not work this way. Take the airline tickets. You don’t actually own them until you show up for the flight. And then present the tickets to the counter agent.
Always Read The Fine Print
You didn’t bother to read the fine print on the website so you didn’t know that little detail. Your plans change and you can’t fly until one day later. You call the airline to make new arrangements and the agent lays out the details.
Details that put you in shock because they involve paying a huge amount of money. But, wait a minute you already paid for the tickets on your credit card.
Oops, you did but you don’t have control over the tickets. You really need to call the online site. And have them make the changes for you. Your credit card company won’t help even though you used their services.
They know who owns the ticket and will only agree with them if you dispute the charge. Not a good feeling and not a good spot to be in.
So you don’t find yourself in the same boat this short article will make a referral to a source with all the how to do it right information. That source is:
Yes, I could write a summary of the procedure. But then how much help would that be. In any event, disputing a charge can be easy or it can be difficult. So, according to me, visit the site and read what they have to say. You can turn difficult into easy if you pay attention.
To show you what I mean, here is the first paragraph on their website:
Have you ever been billed for merchandise you either returned or never received? Has your credit card company ever charged you twice for the same item or failed to credit a payment to your account? While frustrating, these errors can be corrected. It takes a little patience and knowledge of the dispute settlement procedures provided by the Fair Credit Billing Act (FCBA).
Notice the last 2 sentences. Don’t get frustrated. Get educated.
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