Hello, I'm calling about my credit card statement.
Thank you for calling Emirates NBD. My name is Sarah. How can I assist you today?
There's a charge of $120 from "Premium Services" that I don't recognize.
I understand your concern. Let me pull up your account to investigate this transaction.
Ask for two forms of identification before proceeding with account details.
Review last 3 transactions to identify the disputed charge.
This merchant has been flagged in 3 similar disputes this week. Consider offering immediate charge reversal and card replacement.
Customer qualifies for premium card with purchase protection. Mention benefits after resolving current issue.