You walk to your mailbox just as you do everyday and after a long day you finally open your credit card bill and discover a charge that isn't yours. The solution might be as simple as a quick phone call or a short letter. However, the credit card dispute could involve a series of calls and correspondence and a little more time, depending on the situation.  Do you know what to do next?
The first question most people want  answered is was this a billing error or a case of credit card fraud or theft? While you may not care how the extra charges found their way onto your bill, it could make a difference in how you handle the dispute. 

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