Source for credit cards
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Source for credit cards
Products Free
StuffSite
Map
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Chargeback For all practical purposes "chargeback" is just another term for "refund," albeit a convoluted one. A credit cardholder initiates a refund request for a purchase made on their credit card by contacting the card's issuing bank or institution and disputing a transaction. After researching the matter, the card issuer will either provide a provisional credit to the customer and initiate the next stage in the chargeback procedure or decline the request. If the chargeback is provisionally approved by the issuing bank, the merchant's card processing bank is the next to investigate the issue. This institution also has the right to decline the chargeback at which point the matter is handed back to the card issuer. If the chargeback is approved by the merchant's bank, the amount is removed from the merchant's account at which point the merchant can dispute the decision. Obviously a chargeback is a multi-stage matter involving several parties. Consequently, such disputes take anywhere from six weeks to six months to resolve. More Credit-Card Terms Explained |
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