Does Disputing a Credit Card Charge Hurt Your Credit Score?

With the increasing number of financial transactions conducted through credit cards, disputes regarding credit card charges are becoming more common. Let us understand the relationship between disputing a credit card charge and its impact on your credit score. At Shriram Finance, we aim to provide accurate information and solutions for all your financial needs.

What Are Credit Card Charge Disputes?

Disputing a credit card charge refers to questioning or challenging a specific transaction on your credit card statement. It includes unauthorised charges, billing errors, or goods/services not received as promised.

Does Disputing a Credit Card Charge Hurt Your Credit Score?

The act of initiating a dispute itself does not have an immediate negative impact on your credit score. This is because the dispute itself is not reported to the credit bureaus and does not appear as a negative mark on your credit report.