Review the charge on your statement
Check the merchant name, date, and amount
Contact the merchant first to request a refund or correction
Gather supporting documents such as receipts, emails, screenshots, and delivery records
Log in to your credit card account or mobile app
Find the transaction and select the dispute or report a problem option
Call the number on the back of your card if online dispute is unavailable
State that you want to dispute a charge
Provide the transaction date, amount, merchant name, and reason for the dispute
Submit any requested evidence
Note the dispute reference number
Monitor your account and messages for updates
Review any temporary credit or reversal applied
Respond promptly if the card issuer asks for more information
Check the final decision once the investigation is complete
Escalate to the card issuer’s formal complaint process if needed
File the dispute within the issuer’s deadline