[hyperman1]

As an European who rarely sees credit cards, I always wonder if this is USA only? How do you dispute a charge?

My web banking platform has options for almost everything, but not much credit card related. Do I contact my bank, or do I go straight to VISA?

[matthewheath]

You should usually contact your bank and dispute one of the charges on your bank statement (that's how it seems to work in the UK, at least.)

[Cu3PO42]

You can dispute CC charges in Europe as well. All of my cards specify that I should do this as soon as possible, but no later than one year after the charge.

I have never needed a chargeback, but I had a peek at MasterCard's policy just now and it looks like you need to contact the issuing bank. I would assume it works the same for other four-party schemes such as Visa.

[a12432]

I click dispute in my online statement, check a couple of checkboxes to verify type of transaction, and write 1 line of why. Takes 30 seconds. Visa is not good for this, so I never use a Visa.