[header] How to reverse finance charges on credit cards [title] Gather credit card documents that show you have consistently paid the minimum balance or more on your credit card for at least 12 consecutive months. [step] These documents may include bank statements that show cleared payments and credit card statements. Obtain copies of your credit card statements through the company's website if you have paperless statements. 
[title] Call your credit card company by dialing the number listed on the back of your card. [step] Visit the company's website to find the number if one is not on your card.