New Delhi, June 3 -- With the rapid digitisation of human civilization, credit cards are already seen as essentials of life. However, they come with certain risks. Your statement may show multiple charges; transactions may not be authorised, or there may be problems in billing. In such cases, the cardholder must be aware of how to dispute them quickly and efficiently.

So let us take you through the formal & clear way of disputing a credit card and protecting your money.

Prior to disputing a transaction, ascertain that the transaction in question is, in fact, a disputable one. A charge may be wrong for one of the following reasons:

Cardholders may often be left confused since merchants use different billing descriptions. So, check email...