How long should you withhold a payment if you are disputing a charge on your account and the dispute is not settled?

You should continue to make min. Payments on your account. If you don't, it will effect your credit rating and it is much harder to repair your credit than get a credit for the payment you made from the credit card company Answer It depends.

You have a right to not pay for the disputed amount on your credit card. This is under the Fair Credit Reporting Act, I believe. They can not use this nonpayment to negatively affect your credit or your account.(I took a class on this in law school) However, if you already had a balance, you still need to make payments to cover that.

Withholding payment only applies to the portion you are disputing.

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