Review the charge details
Check your receipt, statement, and order history
Contact the merchant first
Ask for a refund or correction
Gather supporting documents
Note dates, amounts, and names
Contact your card issuer or bank
Submit a formal dispute
Follow the issuer’s instructions
Monitor your account for updates
Respond promptly to any requests
Keep copies of all communication
Escalate if the issue is not resolved
Consider filing a complaint with consumer protection agencies