What is a common reason for a cardholder to dispute a transaction?

A common reason for a cardholder to dispute a transaction is when the transaction amount is incorrect. This scenario may arise if the cardholder was charged more than the agreed-upon price, received a double charge, or if there was an error at the point of sale. Disputing an incorrect transaction amount is valid because it directly relates to the accuracy of the billing and the expectations set at the time of the purchase. Cardholders are often encouraged to review their statements regularly, and any discrepancies in charges are typically grounds for disputing the transaction with the issuing bank, prompting further investigation.

In contrast, forgetting a PIN does not constitute a valid reason to dispute a transaction, as it typically relates to the cardholder’s handling of their account rather than an issue with the transaction itself. Having dissatisfaction with customer service also doesn't impact the validity of a transaction and would not be a justifiable reason for disputing a charge. Lastly, wanting to change their card program is a personal preference and does not relate to a specific transaction dispute; disputes are based on issues of transaction accuracy or authorization.