When should a Cardholder dispute unauthorized transactions on their account?

A Cardholder should dispute unauthorized transactions on their account within 90 days. This timeframe is established to ensure that concerns regarding potential fraud or errors can be addressed promptly and effectively. By acting within this 90-day period, Cardholders can facilitate a more straightforward investigation and resolution process, ensuring proper oversight of the account and the protection of funds.

This timeframe is important as it balances the need for Cardholders to monitor their accounts while providing enough time to identify and report discrepancies. Disputing transactions after 90 days may complicate matters and risk losing the opportunity for a resolution, as many financial institutions may have policies in place to limit their liability or ability to resolve issues beyond this period.