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Have you ever had any issues with your store purchases or online orders? Perhaps your order arrived damaged or the seller claims they delivered your order but they didn’t - these are some instances when you can dispute a transaction with your credit card issuer and get a refund.
If you are not satisfied with your purchase, the product is damaged, or has never arrived, you can start the process called chargeback to get your money back if the seller isn’t responsive or doesn’t want to help you resolve the issue.
The chargeback process is usually very lengthy and requires documentation to be approved so in most cases it would be much quicker to get a refund directly from the place where you bought the product or service.
This process works a bit differently to a warranty which typically would ‘insure’ your product for about 1-2 years. In most cases, you have to reach out to your bank to start a dispute process up to 120 days after you transaction settles.
Once you file an initial chargeback request, it will be reviewed by your card issuer, then, if approved, the card network, and finally the merchant has the right to provide documents to reject your dispute.
It is very important to send all of the supporting documents to your bank, including receipt, pictures, tracking information, history of your conversation with the merchant - everything that might support your claim. If you don’t provide any documentation, your dispute is likely to fail.
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