Will I get my money back if I dispute a charge?
Generally, you’ll have two options when disputing a transaction: refund or chargeback.
A refund comes directly from a merchant, while a chargeback comes from your card issuer.
The first step in the dispute process should be to go directly to the merchant and request a refund..
How long does it take for a credit card dispute?
By law you have 60 days to dispute a charge. Your credit card company must investigate and respond to your dispute within 90 days. In the case of an unauthorized charge on your credit card, by law you’re liable only for the first $50 in unauthorized charges.
What happens when you file a credit card dispute?
Disputing credit card charges means you disagree with a charge on your card and want the creditor to help you remove that charge so you no longer owe the money.
Can you dispute a credit card charge after 90 days?
The creditor must acknowledge your complaint, in writing, within 30 days after receiving it, unless the problem has been resolved. The creditor must resolve the dispute within two billing cycles (but not more than 90 days) after getting your letter.
How long does a credit card investigation take?
A credit card fraud investigation could take up to 90 days, during which time the credit card issuer may contact the merchant that charged your card to get more details about the transaction. The card issuer may request copies of a police report or receipts to compare signatures if they’re available.
Can I win a credit card dispute?
Bottom Line. Disputing a credit card charge may take time. But winning a dispute is possible, especially if you’re aware of the laws that protect you and you have plenty of documents that can help your case. Just remember that merchants have rights too.