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
See how to
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