Review the charge and confirm the amount, date, and merchant name
Check whether the charge is pending or posted
Contact the merchant first and request a refund or correction
Gather supporting documents such as receipts, emails, screenshots, and order confirmations
Contact your credit card issuer using the number on the back of your card or through online banking
State that you want to dispute a charge
Provide the transaction details and the reason for the dispute
Submit any required dispute form or written statement
Keep copies of all correspondence and documents
Monitor your account for temporary credits or updates
Respond promptly if the issuer requests more information
Follow up until the dispute is resolved
Review the final decision and any changes to your balance
If needed, escalate the issue with the card network or consumer protection agency