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Increase Your Chances of Winning Credit Card Disputes

By Edited Aug 28, 2015 1 1

Credit card disputes are the main reason why people get ripped off. Therefore, whenever you have to deal with such a procedure it is very important for you as a customer to be aware of certain steps that could help you win in a situation like this one.

Be Objective and Rational

This is one of the most important pieces of advice that you will ever get, since that angriness will never lead to something good. Acting on impulse will always lower your chances of winning and therefore you always need to act nicely and find the necessary calm for handling the situation rationally.

If you learn how to control yourself, then you will be provided with some serious advantages and you will start seeing the difference and avoid the situations when the things you say are misinterpreted and contribute to a wrong filing of your dispute.

Categorising Your Complaint

Next, you will also need to know that there are two basic dispute types, billing errors and the ones related to the quality of the services and goods provided to you. Each of these main categories comes with different sets of rules, so you will always need to do some research and try to understand every single aspect related to your dispute. In this way, you can be sure that you will be provided with a higher level of protection because you will be informed during the entire dispute process.

Gathering Your Evidence

This is probably the most important step when it comes to your chances of winning a credit card dispute. If the evidence you possess are rather weak then your chances of losing the case in favour of the financial institution will see a serious increase.

On the other hand, strongly documented and formidably supported evidence will never fail and will bring you back on your path to success. Sometimes evidence such as receipts, emails or pictures will be required, but this will only depend on your specific situation. So you will always need to have a thought about the different ways that could provide you with the chance of winning the dispute and take advantage of the situation.

Filing Your Complaint

The next thing you will need to do is to file the actual complaint. After you have all your supporting evidence, this process will undoubtedly become an easier one and your failure chances will be rather insignificant. In addition to this, in order to make things even more comfortable for you and save some precious time at the same time, you might want to decide to file your complaint over the phone.

Stay On Top of It

Finally, always keep in mind that the day of your dispute is variable and usually depends on a great number of factors. Sometimes you will have to wait up to two months, while in some situations 20 days will be enough for your documents to be processed.

Regardless of your situation, if the creditor does not rule in your favour then you will definitely receive a letter from the company. If you do not choose to respond within a certain period of time then this will lead to your dispute being automatically closed.

Do not forget about the research you need to do as well, because it is very important for you to always be prepared if you want to be successful when it comes to a credit card dispute. For further information, you might also want to get the help from a financial expert because there are a great number of them who will always be willing to help you out.




Aug 14, 2011 5:15am
I thought you had some really good information here. Thanks for sharing.
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