![]() ![]() It may also be affiliated with a different company for billing purposes.Īnother possibility is that an authorized user on your card rang up the charge and did not keep you informed. What might have happened is that the merchant has a different corporate identity that it bills under. That doesn’t mean it’s an unauthorized transaction. For one, it could be that you don’t recognize a charge because the merchant’s name doesn’t ring a bell in your mind. It’s all right for a consumer to initiate such disputes, and you do have certain rights under the Fair Credit Billing Act–but what if you dispute a card transaction by mistake? Be sure before disputing a card chargeīefore you pull the trigger and initiate a dispute with your card issuer, make sure that the transaction is indeed one you don’t recognize. They may even file a dispute with the card issuer asking for a chargeback from the merchant of the amount involved. This may impel them to try to get a refund from the merchant. Consumers may find that what they get is not quite what they ordered. With the growth in online commerce, and consumers increasingly buying goods sight unseen, there’s a lot of scope for product returns. While we strive to provide a wide range offers, Bankrate does not include information about every financial or credit product or service. Other factors, such as our own proprietary website rules and whether a product is offered in your area or at your self-selected credit score range can also impact how and where products appear on this site. Therefore, this compensation may impact how, where and in what order products appear within listing categories, except where prohibited by law for our mortgage, home equity and other home lending products. We are compensated in exchange for placement of sponsored products and, services, or by you clicking on certain links posted on our site. We’re transparent about how we are able to bring quality content, competitive rates, and useful tools to you by explaining how we make money.ī is an independent, advertising-supported publisher and comparison service. The content created by our editorial staff is objective, factual, and not influenced by our advertisers. Our award-winning editors and reporters create honest and accurate content to help you make the right financial decisions. We continually strive to provide consumers with the expert advice and tools needed to succeed throughout life’s financial journey.Įditorial policy, so you can trust that our content is honest and accurate. Our experts have been helping you master your money for over four decades. So, whether you’re reading an article or a review, you can trust that you’re getting credible and dependable information. Our editorial team receives no direct compensation from advertisers, and our content is thoroughly fact-checked to ensure accuracy. We follow strict guidelines to ensure that our editorial content is not influenced by advertisers. ![]() Our goal is to give you the best advice to help you make smart personal finance decisions. Our editorial team does not receive direct compensation from our advertisers.īankrate’s editorial team writes on behalf of YOU – the reader. We maintain a firewall between our advertisers and our editorial team. Our editors and reporters thoroughly fact-check editorial content to ensure the information you’re reading is accurate. Our mission is to provide readers with accurate and unbiased information, and we have editorial standards in place to ensure that happens. At each step of the way, we fact-check ourselves to prioritize accuracy so we can continue to be here for your every next.īankrate follows a strict editorial policy, so you can trust that we’re putting your interests first. ![]() Any issuers discussed on our site are vetted based on the value they provide to consumers at each of these levels. Reduce industry jargon so you get the clearest form of information possible, so you can make the right decision for you.Īt Bankrate, we focus on the points consumers care about most: rewards, welcome offers and bonuses, APR, and overall customer experience.Consistently provide up-to-date, reliable market information so you're well-equipped to make confident decisions.Meet you wherever you are in your credit card journey to guide your information search and help you understand your options.With this combination of expertise and perspectives, we keep close tabs on the credit card industry year-round to: Our team is full of a diverse range of experts from credit card pros to data analysts and, most importantly, people who shop for credit cards just like you. At Bankrate, we have a mission to demystify the credit cards industry - regardless or where you are in your journey - and make it one you can navigate with confidence. ![]()
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