Zombie returns are coming back to haunt the credit card statements of consumers. I want to tell you what they're all about and how to protect yourself.

Here's how this plays out: You return something to an online store. You get your credit, but then months later, the charge is reposted to your credit card account. If you're not paying attention, you could end up paying for an item you didn't keep.

So what can you do to protect yourself?

When you return something, you normally do it via UPS or FedEx. Both make it very easy to track your return. I recommend you print out the slip showing the item has been returned. That gives you the documentation necessary to have that credit reinstated, and to fight the battle with the online seller if a problem arises.

It's simple proof. It's easily available and costs you nothing, so I say it's the best cheap insurance.

Special thanks to Consumerist.com for tracking down this story.

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Image of Clark Howard About the author: Clark Howard

Clark Howard is a consumer expert whose goal is to help you keep more of the money you make. His national radio show and website show you ways to put more money in your pocket, with advice you can trust. View More Articles

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