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Disputing Credit Card Charges

I admit it: I’m not the best at saving all my receipts and comparing them to my credit card statement at the end of the month. I do, however, check my credit card charges a couple times throughout the month to make sure everything looks OK.

Luck was on my side the other day, when I noticed a charge that seemed higher than what I remembered paying. I dug through my purse and found the crumpled dinner receipt at the bottom, buried beneath sunglasses, tissues and who knows what else.

When I compared the total at the bottom to what was on my statement, I realized I had been overcharged.

I’ve never had to deal with an incorrect charge on my credit card before, so I wasn’t sure exactly what I needed to do.

I went on the credit card website and there were very clear steps to follow to get the charge fixed. I called the customer service rep and she had the situation resolved in about five minutes.

I would be charged the amount on the receipt and the difference would be removed from my statement.

The moral of this story is that I need to be better about saving my receipts and reviewing my credit card statement so I can catch any future errors.

Have you ever had to dispute a charge on your credit card? Was it an easy process or did it take you a long time to get it resolved?