I just disputed a small charge on my credit card, which was for ISP service I haven't had for a few years. The card rep told me they immediately resolved the dispute and would be issuing a permanent credit to my account. I've only disputed one other charge in the past, for about 120.00, and in that case I had to fill out a form and got only a "temporary" credit until things were resolved. Did it happen differently in this case because the charge was so small (8.95)? Or was there some indication on the way it was charged that revealed a mistake? It didn't occur to me to ask until after the call.