Credits cards are used by millions of consumers each day for billions of transactions both online and off. This much credit card use combined with the potential of credit card theft and mistakes on the part of both retailers and Credit Card Company’s lead to the possibility of billing errors. So what can you do if you find there is something wrong with your latest credit card bill?
First of all, if you discover or suspect that your credit card has been stolen and that may very well be the cause of the billing errors on your credit card bill you need to report your card stolen immediately. Contact your credit card company with you account number and the date you believe that the theft occurred. By contacting your credit card company as soon as possible you can correct the mistakes on your bill and limit the monetary amount you might find yourself held responsible for repaying.
If you find you have been charged for merchandise you never purchased or perhaps have been billed twice by your credit card company for an item, these types of billing errors can be corrected simply by contacting your credit card company.
You need to send in writing to the address specifically set aside for billing inquires, a full description of the billing error along with your name address and account number.
Make sure to send your letter certified mail with a return receipt so you have documented proof that the letter was sent. The credit card company must acknowledge your letter within thirty days and resolve this problem within no later then ninety days.
Credit card companies may not punish you for disputing a billing error. Knowing your rights as a consumer is your best defense in correcting any potential mistakes with little difficulty.