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Credit Card Protection

So often community members have asked for a letter example to accomplish some purpose. This then is a sample format I have written myself or obtained from others on my Forum. Feel free to copy, paste, and alter to fit your needs.

Should you charge a product on a card and not receive the product or if you receive defective or sub standard merchandise, you can legally refuse to pay if certain conditions are met. You must have tried in good faith to resolve the problem with the merchant, the cost must exceed $50, and the distance must be within 100-miles or within the state.

Refusal To Pay


From: (Your Name) and account number

TO: Customer Service

Name of Credit Card Company


City, State, Zip Code

Subject: Credit Dispute

I dispute the following information on my billing statement from (Name of Merchant).

_____________________________________________ _____________________________________________

In accordance with the law, I have made bone fide attempts to resolve the issue with the merchant and the purchase was over $50. Furthermore the purchase was within (100-miles or my state). Please verify this information with the merchant and then remove the item from my billing along with all late charges and interest.



Your Name

Spouse's Signature

Spouses's Name