You call your cc co. and dispute the charge. They investigate, do a charge back if valid and apply a credit.
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No it should have no affect on your CR. All charges that a consumer feels are invalid should be challenged. With the CRA and with the credit issuer.
As a general rule, . The federal government mandates that you can be held liable for only $50 of unauthorized charges, and many credit card companies even waive that. This is if the credit cards were stolen. What may be the sticky point
There is actually no way you can recover your QAB charges.....I have suffered from the same problem, I have tried absolutely everything and never got my money back. I finally closed my account at ICICI and opened an account in IDBI Bank.....they don't have these kind of charges and they give the same amount of interest.
For bank accounts: You can use online banking to watch your account. Otherwise speak with your bank. The bank may be liable to pay back any stolen money to you if you notify them of anything suspicious.
The amount of money that architects charge depends on the architect. Every person charges a slightly different amount of money.