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Your lender cannot take action for collection or treat the transaction as settled unless they have conducted a reasonable investigation into the dispute., By the same token They are not allowed to report the amount under dispute as a delinquency to any credit bureau., Once you have sent notification to the credit card company about your intention to withhold payment Any actions have to be withheld until the dispute is resolved or a competent court has issued a judgment against you.

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We are careful to give them chores they are good at (my little one is an expert laundry folder and my oldest can change a kitty litter in less than 30 seconds) so they feel good about themselves and their accomplishments. We have assigned an equal amount of chores that are age appropriate so one does not feel discriminated against by having more to do than the other.