How long do I have to dispute a card charge?
Nov 3, 2026
Short answer
For a US credit card, the CFPB and the FTC both point to 60 days from the statement that first showed the error for a written billing-error notice.
For a US credit card, the CFPB and the FTC both point to 60 days from the statement that first showed the error for a written billing-error notice. For a lost or stolen debit card, the FTC's liability tiers turn on 2 business days and 60 calendar days, which is why the first call should happen the day you notice the charge rather than at the end of the month. Call early, then put the same facts in writing.
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