<prompt> Human: I recently acquired a credit card through Amazon and Chase bank. I had it for around a month, when a 980 payment was erroneously applied to my account. It has been a few weeks and has not been corrected. This is a ton of money to me, as a part time pizza delivery guy. What should I do? Ive seen people say it took up to a year before this sort of error was fixed. Can I be charged back interest ifwhen they correct this? Can I get in legal trouble somehow for not reporting it?Update Edit: So the bank reversed the transaction almost exactly 1 month later. My balance was correct for about a day. Then another, even larger payment was erroneously applied to my account again. Chase seems incompetent.  <response>: You wouldnt necessarily get into legal trouble for not reporting it, but it will almost certainly cause problems. Your smartest move is to contact Chase and let them know that you did not make that 980 payment and believe they mistakenly applied it to your account. Theyll look into it and correct it. In the meantime, someone else is probably freaking out because 980 went from their bank account to some mystery place and has not been applied to their account as it should have been. They could be living paycheck to paycheck, so do the right thing and get this straightened out for them, too as soon as possible.If you just let this sit, you could end up over your limit when they finally take it away, paying back interest, or even with a closed account if Chase decides that your not telling them about the error is equal to fraud. 