What is the credit card fraud dispute process?

If you see a charge you don’t recognize, you can file a fraud dispute. Before you file a dispute: Take a quick look first and check with any other users on your account Look for subscriptions or recurring charges you may have forgotten Search the merchant name online. Sometimes they have a different business name. If it’s still not familiar: Respond to any fraud alerts you may have received Freeze your card or deactivate it See how to file a dispute After you file: If you requested a replacement card, it usually arrives in 10–15 business days You can use your virtual card in the meantime Be sure to update any saved card details in apps and subscriptions What to know about timing: You have up to 120 days to file a dispute For charges under 90 days old, file in the app Older charges: contact support Reviews can take up to 120 days How to protect your account and spot fraud: Turn on transaction and fraud alerts Freeze your card if it’s lost or misplaced Use your virtual card for online purchases Review your transactions regularly Turn on alerts for purchases and suspicious activity