Rambler Newspapers

Serving Irving, Coppell and Grand Prairie

How to dispute a credit card charge

By Jason Alderman
Have you ever ordered something online that was delivered damaged or never arrived at all? Or been double-billed by a merchant? Or spotted a charge on your credit card statement you didn’t make? Most of us have.
Fortunately, the 1975 Fair Credit Billing Act (FCBA) protects your rights during such credit card billing disputes. It also outlines the process for contesting charges made to your account. Here’s how it works:
First, FCBA protection applies only to “open-end” credit account transactions those involving credit cards or revolving charges (e.g., department store accounts). It doesn’t cover installment contracts you repay on a fixed schedule, such as car loans.

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