You generally have between 60 and 120 days to dispute a credit card charge, depending on the nature of the dispute:

• For billing errors or fraudulent transactions, you must file your dispute within 60 days from the date you receive the billing statement containing the error. The credit card issuer must acknowledge your dispute within 30 days and resolve it within two billing cycles (typically up to 90 days)

• For disputes related to the quality of goods or services (such as not receiving the product or receiving a defective item), you may have up to 120 days from the transaction date to initiate a dispute or chargeback with your card issuer or network (Visa, MasterCard)

• Some issuers, like Capital One, allow you to file disputes digitally within 90 days of the transaction date, but you can still dispute by phone after that, though success is less guaranteed

In summary, you should act promptly-ideally within 60 days for billing errors and up to 120 days for product or service issues-to ensure your dispute is accepted and investigated. The issuer then typically has up to 90 days to resolve the dispute