Step-by-Step Guide: How to Effectively Dispute a Charge on MyBalanceNow

Welcome to our step-by-step guide on how to effectively dispute a charge on MyBalanceNow. MyBalanceNow is a convenient online platform that allows users to manage their Target gift cards and check their balances. However, sometimes there might be discrepancies or unauthorized charges on your card. In such cases, it is important to know how to dispute these charges effectively and efficiently. In this guide, we will walk you through the process of disputing a charge on MyBalanceNow effectively.


Steps for Effectively Disputing a Charge on MyBalanceNow

Disputing a charge on MyBalanceNow, especially when you believe that it is an incorrect or unauthorized transaction, is a crucial step to protect your finances. Here are the steps for effectively disputing a charge on MyBalanceNow:

Step 1: Review Your Transaction History

  • Log in to your MyBalanceNow account.
  • Navigate to your transaction history or recent activity section.
  • Locate the transaction you wish to dispute.

Step 2: Gather Supporting Information

Collect all relevant information about the disputed transaction, including the date, transaction amount, merchant name, and any supporting documentation, such as receipts or emails.

Step 3: Contact the Merchant

In some cases, the issue may be a simple misunderstanding or error. Consider contacting the merchant first to discuss the problem and request a resolution. Keep a record of your communication with the merchant, including dates, times, and the names of individuals you spoke with.

Step 4: Reach Out to MyBalanceNow Customer Support

If the issue remains unresolved after contacting the merchant, it’s time to get in touch with MyBalanceNow customer support. You can usually find their contact information on the back of your card or on the MyBalanceNow website.

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Step 5: Initiate the Dispute

When you contact MyBalanceNow customer support, explain the situation and inform them that you want to dispute a specific charge. Provide them with all the details you gathered in step 2. MyBalanceNow may ask you to complete a dispute form, either online or by mail, so be prepared to fill out the necessary information accurately.

Step 6: Monitor Your Account

After initiating the dispute, continue to monitor your account regularly. MyBalanceNow will investigate the dispute, and it may take some time to reach a resolution. During this period, it is essential to ensure that any unauthorized charges do not recur.

Step 7: Follow Up

If MyBalanceNow doesn’t get back to you quickly about your dispute or if you’re not happy with the result, don’t hesitate to reach out to them again. Make sure to keep a record of all your conversations and emails, noting the dates and details of each interaction. This helps to ensure that your issue is properly addressed.

Step 8: Resolution

MyBalanceNow will investigate the dispute and inform you of the outcome. If the dispute is found in your favor, the disputed amount will typically be credited back to your card.

Step 9: Protect Your Card

To prevent future unauthorized transactions, consider taking steps like changing your card’s PIN, reviewing your account security settings, or requesting a replacement card if necessary.

It is crucial to act promptly when disputing a charge on MyBalanceNow to increase the chances of a successful resolution. Be thorough in providing information and documentation, and keep records of all interactions related to the dispute.

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Frequently Asked Questions

How long does it typically take to resolve a dispute on MyBalanceNow?

The resolution time can vary depending on the complexity of the dispute and the responsiveness of the involved parties. However, Target strives to address most disputes within 30 days and will keep you updated on the status of your dispute via email.

What can I do if MyBalanceNow rejects my dispute claim?

If you disagree with MyBalanceNow’s decision on your dispute, you may have options. You could file a formal complaint with consumer protection agencies or consider legal action, especially if it involves a significant amount. However, it’s a good idea to contact MyBalanceNow again before taking further steps.

If I report fraud on my Target gift card to MyBalanceNow, will they issue a new card?

Yes, if fraud is confirmed, MyBalanceNow typically takes steps to enhance security. They will cancel your current card and provide you with a replacement card that has a new card number. Any unauthorized charges are usually credited back to your account.

What information should I keep ready when contacting MyBalanceNow to dispute a charge?

To expedite the dispute process when reaching out to MyBalanceNow, make sure that you have the transaction date, amount, merchant name, any available receipts, and any communication with the merchant ready.

What should I do if a disputed charge reappears on my account after it was initially credited back?

If a charge that was previously disputed reappears on your account, contact MyBalanceNow immediately. Request to reopen the dispute case and have the erroneous charge reversed once more. Be sure to provide the details of the previous dispute confirmation for reference.


Disputing a charge on MyBalanceNow is a structured process that can safeguard your finances. By following these steps, you can effectively resolve issues, ensuring that your account remains secure and accurate. So, next time you spot an unfamiliar charge, you’ll know exactly how to handle it. Don’t forget to save all your conversations and stay persistent until you reach a solution that satisfies you.

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