<prompt> Human: Hey everyone,So Im wondering if I canshould dispute an Amazon charge 6 months later because they charged the wrong card, and if so who should I call?I have an Amazon Prime membership. On my membership, Ive used multiple different cards over the years, and one of them was a Bank of America credit card. I designated a debit card as the main form of payment at least a year ago for all my purchases on the account, but back in February Amazon charged the BoA card for their prime membership.I havent used my BoA credit card in probably 2 years, but Ive kept it open because Im young and I was told that keeping it open is good for your credit history. I learned from Experian that I had this late payment, and I immediately got on the phone with BoA and paid it off entirely. Unfortunately for me, this payment was about 5 or 6 months after the charge. This late payment has dropped my credit score from the 775-800 range down to 544, so Im honestly kind of devastated right now by it. I need a good credit score for both financial and professional reasons, so any helpadvice anyone could give would be greatly appreciated.  <response>: There is nothing to dispute. Unauthorized charges must be disputed within 60 days, and it is your responsibility to monitor your credit card accounts and make all necessary payments. Did you not log into your account at all in six months? You also would have gotten a statement noting there was a balance on that card. I believe Amazon has a separate section to designate the card you want them to charge for your membership fee, as opposed to the card to charge for purchases, although I might be wrong since its been a while since Ive changed my payment method in Amazon. 