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[Music] a credit card dispute or chargeback is a powerful tool for consumers if its used properly you can be refunded immediately you have to pay the rest of your bill but the disputed charge will go away while the credit card company weighs both sides lets look at the process as soon as a transaction goes sour start documenting everything every call every email when its clear your effort to try to resolve the dispute yourself isnt getting anywhere pick up the phone or go online and contact your credit card company make your case with evidence but before you contact the credit card company you should give the business some time to do the right thing how long discover says you should wait up to 15 days for the merchant to credit your account but dont wait too long credit card companies generally only give you a certain amount of time to open a dispute chase says you must submit your dispute within 60 days of the transaction first appearing on your statement thats an important dist
