Contact your card issuer promptly when you find an unauthorized charge or billing error. For a purchase problem, keep the seller correspondence and ask the issuer which process and deadline apply.
What to check
- Record the transaction date, amount and the issue in plain language.
- Save the receipt, order details and relevant seller messages.
- Use the issuer’s official contact details and follow its written instructions.
- Keep submission confirmations and track any requested follow-up.
Do not assume that waiting for the seller extends an issuer deadline. US credit-card billing-error rights have specific notice rules; the CFPB explains them. Debit cards and other countries can follow different procedures. Describe the actual problem without changing facts to fit a category.
Review the documents with Pingpong
Paste the relevant terms and your question into Pingpong. Ask for a review you can check against the original documents.
Organize these records into a dated summary for my card issuer. Separate documented facts from unanswered questions. Do not determine eligibility or invent evidence.
AI can miss details or use outdated information. Confirm the answer with the seller or provider before acting.
Related guides
- Check the return deadline and refund before you ship
- Document a damaged delivery and request instructions