Fraudulent credit charges

A thief often only needs the numbers on a credit card to rip you off. According to CreditCards.com, about 31.8 million Americans had their cards breached in 2014 alone.
Personal Finance publication Kiplinger suggests that the most efficient way to correct an error is often to contact the merchant first. If they are unable to help, contacting the credit card company within 60 days of the charge will trigger a few protections under the Fair Credit Billing Act (FCBA). Under that protection, customers will not be responsible for paying the charge or any interest until the issue it resolves.