What Credit Card Companies Do After the Dispute is Submitted?

If you’ve ever disputed a charge on your credit card, you know the process can be frustrating. First, you have to submit your dispute to your credit card company in writing or online. Then, you wait for a response from the company. If the credit card company decides in your favor, it will remove the charge from your account. But what happens if the credit card company decides against you?

The credit dispute process

If you’re like most people, you probably don’t know a whole lot about the credit dispute process. Credit card companies are required to investigate any disputes that customers submit, but they don’t always do a great job of it. In fact, a recent study found that only about one-third of disputes are actually resolved in the customer’s favor.

So what happens after you submit a dispute? Unfortunately, there’s no easy answer. Each credit card company has its own procedures and timelines, so it’s hard to generalize. However, we can give you some general tips to help you through the process.

First of all, don’t expect the credit card company to take your word for it. They will almost certainly require some documentation to support your claim. This could include copies of bills, receipts, or other proof of purchase. If you don’t have this documentation, your dispute is likely to be denied outright.

Second, be prepared to wait. The investigation process can take weeks or even months, so don’t expect an immediate resolution. And if the credit card company does find in your favor, it could take them several more weeks to refund your money.

Finally, remember that you always have

When a credit card company investigates a dispute?

When you dispute a charge with your credit card company, the company will launch an investigation. How long that investigation takes depends on the company’s policies and procedures. Some credit card companies may take up to 90 days to resolve a dispute, while others may resolve disputes within a few weeks.

What happens if the dispute is found in the cardholder’s favor?

If the dispute is found in the cardholder’s favor, the credit card company will refund the disputed amount to the cardholder. The credit card company may also reverse any fees that were charged to the cardholder as a result of the dispute.

What happens if the dispute is found in the credit card company’s favor?

If the dispute is found in the credit card company’s favor, they may take one or more of the following actions:

1. Require you to pay the disputed amount immediately.

2. Close your account.

3. Report the dispute to the credit reporting agencies.

4. Take legal action against you.


It’s important to know what happens after you dispute a charge on your credit card. The credit card company will investigate the charge and may require additional information from you. They will also contact the merchant to get their side of the story. Once the investigation is complete, the credit card company will make a decision and let you know whether or not they are going to reverse the charge.