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How to Dispute Fraudulent Charges on Your Credit Card

Disputing fraudulent charges on your credit card can be a daunting task, but it’s important to take action to protect your financial well-being. Here are the steps you can take to dispute fraudulent charges and avoid financial loss.

Step 1: Identify the Fraudulent Charges

Carefully review your credit card statement to identify any suspicious or unauthorized transactions. Check for any charges that you don’t recognize or that were made without your permission.

Step 2: Contact Your Credit Card Issuer

Reach out to your credit card issuer’s customer service department as soon as possible to report the fraudulent charges. You can usually do this by calling the phone number on the back of your credit card or by logging into your account online.

Step 3: Provide Required Information

When you contact your credit card issuer, be prepared to provide detailed information about the fraudulent charges. This may include the date and amount of each charge, as well as any other relevant details.

Step 4: Follow Up in Writing

After speaking with a customer service representative, follow up with a written letter or email to your credit card issuer. Include all of the same information you provided over the phone, and be sure to include your name, account number, and contact information.

Step 5: Wait for a Response

Your credit card issuer will typically respond to your dispute within 30 days. They may request additional information or evidence to support your claim, so be sure to keep all receipts and documents related to the fraudulent charges.

Step 6: Resolution

If your dispute is successful, your credit card issuer will remove the fraudulent charges from your account and you’ll receive a credit for the amount of the disputed charges. If your dispute is denied, you may need to take further action to resolve the issue.


Disputing fraudulent charges on your credit card can be a time-consuming process, but it’s important to protect your financial well-being. By following these steps and staying proactive, you can minimize the damage caused by fraudulent charges and keep your credit card account in good standing. Remember to always review your credit card statements carefully and take action quickly if you suspect fraudulent activity.