What is a Provisional Credit and How Does It Benefit You? If you are a credit card user, you may have been in a situation where you have seen a charge on your statement that you didn't recognize or agree with. Maybe you signed up for a free trial of a service and canceled it before the billing cycle came through, but still got charged. Maybe you bought something online and received a defective or wrong item. Worse case scenario is if someone stole your credit card information and made unauthorized purchases with it. In any of these cases, you may want to dispute the charge and get your money back. But disputing a charge is not always a simple and quick process. It could involve contacting the merchant, filing a complaint, providing evidence, and waiting through an investigation. Depending on the nature and complexity of the dispute, it may…