[canrc]

I don't know if the policies and procedures are different in the US for MasterCard, Visa and Amex, (I am in Canada) but paying your bill in full at the end of the month does not affect your ability to dispute an item. In fact they encourage you to pay your bill as if there is no dispute.

I have disputed a few items bought from a couple vendors months after paying for the item (within 90 days) -- from the time of the dispute the CC company gives the vendor 90 days to respond to the claim, if they have not the CC company will credit your card for the funds and deal with the vendors bank. Hope that helps at all and I do have some experience with MasterCard and Visa should you need any more info to get your money back....its sucks to have to get to this point but its usually pretty painless to get your money back just takes about 90 days.

Originally Posted by GregWeld

Here's a little CREDIT CARD issue I learned the hard way.... and this will amaze people to find out. IF you pay your bill IN FULL each month -- they will NOT dispute an item. Paying your bill infers that everything is "fine" will all the purchases. Now isn't that just the dumbest thing you ever heard?

So I argued with my bank and said --- so because I'm a good credit card customer and pay my bill in full -- I get PENALIZED for that... by not being able to have the CC company have my back in a dispute? Yep -- that's right -- you're on your own.

I've seriously considered paying all but ONE DOLLAR each month -- just to reserve my right to dispute a purchase.