Credit Card Disputes About Merchandise or Services

You can dispute charges for unsatisfactory goods or services. To do so, you must:

• Have made the purchase in your home state or within 100 miles of your current billing address. The charge must be for more than $50. (These limitations don’t apply if the seller also is the card issuer or if a special business relationship exists between the seller and the card issuer.)

• First make a good faith effort to resolve the dispute with the seller. No special procedures are required to do so.

If these conditions don’t apply, you may want to consider filing an action in small claims court.