Inform The Credit Card Company As Quickly As You Can
When it comes to fighting fraudulent credit card charges, the faster you can report the problem the quicker the problem can be solved. Because identity theft is rampant these days, many credit card companies have streamlined the dispute process to make it as simple as possible for both the company and the person affected to complete the process. Online transaction tracking and budgeting programs have made it easy for anyone to check their credit card accounts regularly, instead of having to wait for an account statement to be mailed to their home once a month. Call the credit card company about any suspicious activity on your account as soon as you notice it to get the ball rolling on a solution.
Fill Out Any Necessary Paperwork Neatly And Completely
Once the credit card company has been notified of the fraudulent charges on your account, they will most likely send you a form to fill out regarding the incident you reported. This form is typically one to two pages long, but can be longer for more complicated incidents. The paperwork should be filled out completely, as legibly and neatly as possible so that the person who receives the information can understand what is written. Fill out the form in a timely manner and when you mail it back, request a postal confirmation indicating when the form was delivered back to the credit card company.
Monitor Your Account
It is important to continue to monitor your credit card account until you are sure that the issue with the fraudulent activity has been handled and the fraudulent charges have been removed. No company is perfect and you do not want to take the chance of having your case fall through the cracks. If you notice that the issue still has not been corrected weeks later, you can contact the credit card company again to find out if there are any problems with your paperwork or with correcting the charges. Remember to be courteous and speak in an even tone of voice. You want the representative to help you, not be eager to get you off the phone as quickly as possible because you are being verbally abusive.