If you have ever disputed a charge with your debit or credit card company, you know how challenging it can be.
When you call your card company to inform them of the charge in question they generally take your word for it. Then restore the bank account temporarily or issue a credit, and then they go about their investigation. The company essentially demands that the merchant or service provider who supposedly did you wrong prove that it did no wrong at all.
Chances are you will need to use the dispute process sooner or later. If you have never disputed a charge there are a few things you should know first. The behind-the-scenes game that goes on can be tilted much more—or much less – in your favor, depending on which charges you dispute and how you go about disputing them.