![]() ![]() You may also ask for copies of documents it used to make its determination. If you disagree with the determination, you have 10 days to write to your credit card company and to include any other evidence you have. You must then pay the disputed amount, if you haven’t yet, and any finance charges that accrued. If your credit card company finds that the charge was not an error, it must explain why in writing. If you already paid the disputed amount, the credit card company will refund you. If your credit card company resolves the dispute in your favor, it will remove or fix the charge and any fees and interest charged on that amount. However, it can report that you have “disputed” a payment if you do not pay the disputed amount. ![]() As long as you pay the rest of your bill on time, your credit card company can’t treat your payment as late and can’t report you as “delinquent” to credit reporting agencies until its investigation is done. During this time, you may choose whether or not to pay the disputed amount. Your credit card company has 30 days to confirm it got your letter and 90 days to investigate your dispute.
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