This year I detected exactly one bogus charge: it was a gas station that double entered one of my fill ups. It came to about forty dollars. I contacted the credit card company, and got a credit with no further effort on my part.
I managed to get a credit card company to reverse a charge they had made incorrectly against my account. Due to a screwup on thier part, the "minimum payment" was larger than the total amount due. I payed the total amount, then got slammed with a charge for not paying the minimum payment. One phone call to "peggy" straightened out the mess.
I bought something online that the vendor couldn't deliver. It seems like someone who got in over her head when starting an online business. She claimed that she was being scammed by an intermediary billing agent. I challenged it to the credit card company. It went on the "disputed" list, and eventually got credited out.
The credit card companies are generally pretty good about problems that they see all the time. They know you've got choices. The people who never review their bills are probably paying for items that they shouldn't pay.
