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There are some scenarios where the chargeback timeline is longer than the usual 120 days or starts from a different date. So, contact your bank as soon as you identify the problem because the clock may have already started ticking. There is a time limit on chargeback claims - typically 120 days from the transaction processing date, or from when you expected to receive the goods/service if it’s being delivered. The main requirement for getting your money back through chargeback is evidence that there's been a breach of contract. The trader could argue that you're in breach of contract for not paying. Claims must be addressed to the bank that provides your debit or credit card, which in turn will put in a request to the merchant's bank.Īs a result, you could get your money back from the merchant's bank if the money is there to be recovered.īut, there are no guarantees your bank will be able to recover the money through chargeback, or that the trader will accept that you were justified in taking the money back. But you can't claim back the cost of fixing a faulty item.Ĭhargeback doesn't mean there is joint liability on the card company. If, for example, you ordered two items but only one arrived, you can ask for the money back on the item you didn't receive. You can ask your card provider to try to claw back the money you paid, or part of it, using our template letter to make a chargeback claim.

Start your claimĬhargeback can be used in cases of goods not arriving at all, goods that are damaged, goods that are different from the description, or where the merchant has ceased trading. If you bought something with your card and things went wrong, you can make a claim.

Cc check transfer to pay other credit card sam issuer