You’re protected whenever you engage in an online transaction using your Visa or Mastercard debit/credit card. Whether you’re aware of this protection or not, you have up to 540 days to file a dispute for a chargeback. Simply said, a chargeback is a way for your bank to recover the funds from the merchant. Of course, you have to provide sufficient evidence, and that’s why we’re here. To guide you through the entire process and ensure you’ve done everything by the book. The merchant always has the right to counter the dispute, meaning they can try and convince the bank that the transaction was legal. Knowing scam brokers and their persuasion techniques, you need someone on your side who will deal with the process and protect your rights.
A credit card dispute (also called a chargeback) is when you contest a charge on your credit card statement. You can file a dispute when you find unauthorized transactions, didn't receive goods/services you paid for, received defective items, or were charged the wrong amount. You typically have 60 days from the statement date to file a dispute with your credit card issuer.
To file a dispute, you should: - Contact your credit card issuer immediately (call the number on the back of your card) - Explain the situation and provide any supporting documentation - Fill out any required dispute forms - Continue paying your bill while the dispute is being investigated The card issuer will investigate your claim, which usually takes 30-90 days to resolve.
During the investigation period, credit card issuers typically suspend interest charges and fees on the disputed amount. However, if the dispute is resolved against you, you may be responsible for paying the interest that would have accrued during the investigation period. It's important to continue making at least minimum payments on your undisputed balance during this time to avoid late fees.