If you purchased merchandise or a service with your credit card that turns out to be defective or of poor quality, you may withhold payment on your credit card bill. Try to resolve the problem with the merchant. If you are unsuccessful in your good faith attempts to solve the problem, notify the credit card [...]

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Generally, if you have filed a proper billing dispute with the bank, you would not need to pay—and the bank cannot try to collect—any portion of any required payment that you believe is related to the disputed amount while the dispute is being investigated. This includes related finance or other charges.

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