What are my rights when disputing a credit card charge?

In South Carolina, the Credit Card Dispute Resolution Law helps to protect cardholders who are disputing a charge. As a cardholder, you have the right to contest a charge and request a refund if you feel that it was incorrect, unauthorized, or a result of fraud. This requires the cardholder to file a written dispute with the credit card company. The company then has between 30 and 45 days to investigate the dispute and either credit the cardholder with a refund or deny the dispute. If the company denies the dispute, they must provide the cardholder with written notice of the denial, which includes the reasons for the denial and any other applicable information. The Credit Card Dispute Resolution Law also gives cardholders the right to appeal the decision of the company. Cardholders have the right to file a complaint to the South Carolina Department of Consumer Affairs, which will then investigate the dispute. If the Department of Consumer Affairs finds in favor of the cardholder, then the credit card company must provide a written explanation of the decision and issue a refund to the cardholder. Additionally, the company must also pay a penalty of up to $500 to the cardholder. Ultimately, the Credit Card Dispute Resolution Law ensures that cardholders in South Carolina have their rights protected when disputing a charge with their credit card company. Cardholders have the right to dispute a charge and request a refund if they believe it is incorrect, unauthorized, or fraudulent, and they also have the right to appeal any denial of their dispute.

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What are my rights when disputing a credit card charge?

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