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However, the credit card dispute could involve a series of calls and correspondence and a little more time, depending on the situation.

Mistakes happen, says Howard Dvorkin, author of "Credit Hell: How to Dig Out of Debt," and founder of Consolidated Credit Counseling Services Inc."People just need to understand the law and how it affects them," he says.

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Current Functional Classifications (used for aid purposes): Principal Arterial (PA); Minor Arterial (MA); Collector (Col); Rural Minor Collector/Local Road (RMC/LR).

Legal and banking regulations are constantly shifting, so these industry lists should only be considered current as of this article’s publication date.

In addition to having significant experience working with high risk merchants, these providers also maintain positive reputations among merchants and are known to offer fair pricing and quality customer support.

"And don't be afraid to dispute something."The first question you want to answer: Was this a billing error or a case of credit card fraud or theft?

While you may not care how the extra charges found their way onto your bill, it could make a difference in how you handle the dispute.

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