 TITLE: How to Request a Credit Card Chargeback CONTENT: Will Requesting a Chargeback Impact Credit?\n-------------------------------------------\nThe outcome of chargeback can affect your credit if it changes the amount of credit you're using relative to your credit limit—your credit utilization ratio.\nYour credit card balances are a big factor in calculating your credit scores, which means a high-dollar purchase could cause scores to dip. If the charge is inaccurate or fraudulent and ends up being removed, you should see your scores come back up. On the other hand, if your chargeback request is unsuccessful and causes your balance to stay elevated, a credit utilization ratio above 30% can start to harm your credit scores.\nWhile the chargeback request is being sorted out by the card issuer, a notation may be added to the account on your credit report to indicate that the account is in dispute. These notations don't directly affect your creditworthiness, but a creditor may ask about it or require it to be resolved before moving forward with your credit application. END