If you booked a Spirit Airlines trip and are now staring at headlines about bankruptcy , don’t panic. If the airline stops operating and you never receive the flight you paid for, federal law gives you a powerful backstop.

Under the Fair Credit Billing Act (FCBA), paying for a service you never received is considered a billing error. That means you can dispute the charge with your credit card company. Save your proof of purchase, your itinerary, confirmation email, and any communications, and contact your card issuer promptly. If they rule in your favor, the charge must be removed and refunded within 90 days.

There’s more protection while the dispute is pending. You don’t have to pay the amount you’re disputing during the investigation, and the issuer generally cannot threaten your c

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