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Credit Card Dispute Letter: 60-Day Deadline Calculator
Under the Fair Credit Billing Act, send a written dispute within 60 days of the statement that shows the error, to the issuer's 'billing error' address.
1. What do you need?
2. The details
3. Your rights
- ✔Under the Fair Credit Billing Act, send a written dispute within 60 days of the statement that shows the error, to the issuer's 'billing error' address.
- ✔The issuer must acknowledge within 30 days and resolve it within two billing cycles (no more than 90 days).
- ✔You don't have to pay the disputed amount or related interest while it's investigated.
✉️ 4. Your letter
Send by email or the company's online form, plus certified mail for disputes. Keep copies.
🧭 What to do next
- Many issuers also let you dispute in the app; still send the letter to protect your legal rights.
- Keep paying the rest of your bill on time.
Official help:
General information and templates, not legal advice. Rules can vary by state and card agreement. 🔒 Everything stays on your device.
💳 Your rights at a glance
- • Under the Fair Credit Billing Act, send a written dispute within 60 days of the statement that shows the error, to the issuer's 'billing error' address.
- • The issuer must acknowledge within 30 days and resolve it within two billing cycles (no more than 90 days).
- • You don't have to pay the disputed amount or related interest while it's investigated.
Questions people ask
How long do I have to dispute a credit card charge?+
Under the Fair Credit Billing Act, send a written dispute within 60 days of the statement that first showed the error. Many card issuers accept disputes later through their own policies, so it's worth asking even if you're late.
Is debit card fraud protection the same as credit card?+
No. With debit cards your protection depends on how fast you report: within 2 business days your loss is capped at $50, within 60 days of the statement at $500. Report immediately.
Does the airline have to give me cash instead of a voucher?+
If your flight was cancelled or significantly changed and you didn't accept the alternative, DOT rules say you're entitled to a refund to your original payment method.