How to Stop a Credit Card Charge

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Credit cards offer consumers protection from money fraud and other financial dangers. Payments made by credit card cannot automatically be stopped because of the speed of electronic transactions, but the credit card holder has up to 60 days to reverse or dispute a charge. Financial institutions have stipulations on their payments and merchants are subject to a charge reversal if the consumer is not satisfied with his purchase.

Things You'll Need

  • Credit card
  • Phone
  • Credit card statement
  • Receipt for your purchase

Contact the merchant that sold you the merchandise or charged your credit card and ask for a refund if you are not satisfied with your purchase.

Return the merchandise for a refund at the place of purchase.

Contact the credit card company to dispute the purchase if the merchant will not cooperate and give you a refund.

Follow the dispute guidelines outlined in your credit card agreement.

Plead your case with the credit card company by telling them why you are not satisfied with the purchase and what the merchant did and said when you attempted to get a refund.

Keep all of your paperwork handy so that you can refer to it and give the credit card company dates of purchase, merchandise numbers and store information.

Record and date all conversations with the merchant and your financial institution. Include the names of people you speak with, the date and time of the conversation, and details of what was said.

Send a follow-up letter to the credit card company to remind them of the agreement to stop payment and refund your money.

Check your credit card bill to make sure the disputed charge is removed and any applicable charges are refunded.

Tips & Warnings

  • You have 60 days after a charge is posted to dispute it with the merchant and the credit card company. Review the rules and guidelines of your credit card agreement so that you can easily reference them if you run into a snag. Keep receipts on all purchases so that you have a paper trail to make your case.

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