If you have discovered unauthorized charges on your credit card, act quickly. Call your card issuer immediately — the number is on the back of your card or on their app — and report the charge as fraudulent or unauthorized. Your issuer will open a formal dispute, issue a temporary credit while they investigate, and typically resolve the matter within 30 to 60 days. Under the Fair Credit Billing Act (FCBA), your liability for unauthorized charges is legally limited to $50, and most major card