SESKStuff Everyone Should Know
SESK: Stuff Everyone Should Know · sesk.info/money-billing-dispute-60-days

Your credit card bill has an error. When must your written dispute reach the issuer for federal protections?

60 days after the first bill with the error was sent to you.

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Why: The federal billing-error process requires your letter to reach the issuer within 60 days after the first bill showing the error was sent. Check each statement so you do not miss the window.

Huh, didn't know that: Mail the dispute to the address for billing inquiries, not the one where you send payments.

The dad joke
A duck walks into a pharmacy and says, give me some chap-stick, and put it on my bill.
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References

Answer: 60 days. The federal billing-error process requires your letter to reach the issuer within 60 days after the first bill showing the error was sent. Check each statement so you do not miss the window.

  1. Using Credit Cards and Disputing Charges (FTC Consumer Advice) consumer.ftc.gov/articles/using-credit-cards-and-disputing-charges
    Send your letter so that it reaches the issuer within 60 days after the first bill with the error was sent to you.
    Checked 2026-10-11.

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