- 1). Cancel any automatic payment you have set up with your card. Visit your card issuer's website or call the customer service number---usually printed on the back of the card---and ask for assistance with this cancellation.
- 2). Talk to whoever swiped your card. If it was a face-to-face transaction, go back and talk to that same person. If it was online, try to find a phone number to contact the company directly. The merchant who swiped the card will be able to stop the transaction or refund your money.
- 3). Contact the bank who issued your credit card, and dispute the charge. You can only do this once the charge has gone through and is no longer pending. Most banks have a time limit of 30 days to dispute a charge. Charges are held while the bank investigates, so the merchant won't get your money during this time.
- 4). Keep your receipt for the transaction, and send a copy of it to your card issuer. Include a letter containing your name and contact information, detailing the circumstances and why you are disputing the charge. A sample letter can be found on the Federal Trade Commission's website. By law, your card issuer must respond to you within 30 days after it receives your letter.
- 5). Ask your card issuer for a "charge back." If you have tried to resolve the issue and a merchant will still not stop the charge on your card, your card issuer will basically take the charge and turn it back on the merchant.
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