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How do I dispute a charge on my Upgrade Visa® Debit Card?

Upgrade partners with Visa to ensure a timely and proper investigation of your claim. Before contacting us, here are a few helpful tips to save time:

  • Make sure the transaction has been posted to your account.
      We will not be able to process your dispute if the transaction is still pending. 
  • Contact the merchant and request that they reverse the charge.
  • If anyone had access to your card, such as a family member or friend, ask them if they made the charge.
  • Review your receipts to refresh your memory of your recent purchases.

If you see a charge on your Upgrade Visa debit card that you did not authorize, contact our dedicated Upgrade Cardholder Services number at (866) 236-7969. Ensure that you have your debit card handy, as the Visa representative will need your card number to access your account and initiate your dispute.