{"id":32609,"date":"2021-03-23T19:38:33","date_gmt":"2021-03-23T19:38:33","guid":{"rendered":"https:\/\/nomoredebts.org\/?p=32609"},"modified":"2025-01-10T02:22:16","modified_gmt":"2025-01-10T10:22:16","slug":"how-to-dispute-credit-card-charge-get-chargeback","status":"publish","type":"post","link":"https:\/\/nomoredebts.org\/blog\/credit-cards\/how-to-dispute-credit-card-charge-get-chargeback","title":{"rendered":"Dispute a Credit Card Charge in Canada & Get a Chargeback"},"content":{"rendered":"

[et_pb_section fb_built=”1″ next_background_color=”#ffffff” _builder_version=”4.16″ _module_preset=”default” background_color=”#e7dff3″ custom_padding=”0px||90px|||” bottom_divider_style=”ramp2″ da_disable_devices=”off|off|off” global_colors_info=”{}” da_is_popup=”off” da_exit_intent=”off” da_has_close=”on” da_alt_close=”off” da_dark_close=”off” da_not_modal=”on” da_is_singular=”off” da_with_loader=”off” da_has_shadow=”on”][et_pb_row _builder_version=”4.16″ _module_preset=”default” custom_padding=”||0px|||” global_colors_info=”{}”][et_pb_column type=”4_4″ _builder_version=”4.16″ _module_preset=”default” global_colors_info=”{}”][et_pb_text _builder_version=”4.27.2″ header_2_font_size=”30px” custom_padding=”||16px|||” hover_enabled=”0″ global_colors_info=”{}” sticky_enabled=”0″]<\/p>\n

How Long Do You Have to Dispute a Credit Card Charge? Know Your Rights<\/h1>\n

by Kevin Sun<\/em><\/p>\n

The first time I got double charged for something I bought with my credit card, I thought that fixing the issue would be as easy as just telling the store to reverse it. However, when they refused to refund me because of \u201ctechnical issues,\u201d I found myself now having to file a dispute with my credit card company. After emails, phone calls, an agreement I had to print and sign, and more emails, I finally got the charge reversed. While my bank was very friendly and professional throughout the process, I was surprised at how much time and effort it took to get just $30 of my money back.<\/p>\n

Of course, had it been $3000 \u2013 which it could have been if I was trying to get a plane ticket refunded<\/a> \u2013 my feelings would be very different. \u00a0Disputing incorrect credit card charges is a valuable tool to help protect our hard-earned cash, and learning the rules around it now could save you a lot of money and frustration later on. Here\u2019s an overview of how to get a credit card chargeback in Canada:<\/p>\n

[\/et_pb_text][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=”1″ _builder_version=”4.17.4″ _module_preset=”default” background_color=”#ffffff” custom_padding=”||120px|||” bottom_divider_style=”curve2″ bottom_divider_color=”#E4F8E0″ da_disable_devices=”off|off|off” global_colors_info=”{}” da_is_popup=”off” da_exit_intent=”off” da_has_close=”on” da_alt_close=”off” da_dark_close=”off” da_not_modal=”on” da_is_singular=”off” da_with_loader=”off” da_has_shadow=”on”][et_pb_row _builder_version=”4.16″ _module_preset=”default” global_colors_info=”{}”][et_pb_column type=”4_4″ _builder_version=”4.16″ _module_preset=”default” global_colors_info=”{}”][et_pb_text _builder_version=”4.17.4″ _module_preset=”default” hover_enabled=”0″ global_colors_info=”{}” sticky_enabled=”0″]<\/p>\n

Frequently Asked Questions on How to Dispute a Credit Card Charge
Disputing a Credit Card Charge<\/span><\/h2>\n

[\/et_pb_text][et_pb_accordion _builder_version=”4.21.0″ _module_preset=”default” toggle_level=”h3″ global_colors_info=”{}”][et_pb_accordion_item open=”on” _builder_version=”4.21.0″ _module_preset=”default” custom_css_main_element=”display: none;” global_colors_info=”{}”][\/et_pb_accordion_item][et_pb_accordion_item title=”Can I dispute a credit card charge I willingly paid to a credit card issuer?” _builder_version=”4.21.0″ _module_preset=”default” global_colors_info=”{}” toggle_level=”h5″ open=”off”]<\/p>\n

Yes. After all, just because you chose to pay for something doesn\u2019t mean you got what you paid for. However, you\u2019ll have to make your case<\/a> to your credit card company and provide evidence to support it.<\/p>\n

[\/et_pb_accordion_item][et_pb_accordion_item title=”Can you dispute a credit card charge after 90 days?” _builder_version=”4.21.0″ _module_preset=”default” global_colors_info=”{}” toggle_level=”h5″ open=”off”]<\/p>\n

Most creditors won\u2019t allow you to dispute a credit card charge after 90 days have passed. Most will have deadlines between 30-60 days. Check with your creditor<\/a> for their specific requirements. It can’t hurt to double-check billing errors even after some time has passed.<\/p>\n

[\/et_pb_accordion_item][et_pb_accordion_item title=”Can I dispute a non-refundable charge?” _builder_version=”4.21.0″ _module_preset=”default” global_colors_info=”{}” toggle_level=”h5″ open=”off”]<\/p>\n

Yes, but only for certain reasons<\/a>. For example, if it\u2019s a fraudulent charge, then you can dispute it to credit card issuers regardless of whether it\u2019s non-refundable or not. Another common reason is getting double-charged by mistake.<\/p>\n

[\/et_pb_accordion_item][et_pb_accordion_item title=”Can I dispute a charge if I\u2019m trying to return an item after the return\/exchange policy has expired?” _builder_version=”4.21.0″ _module_preset=”default” global_colors_info=”{}” toggle_level=”h5″ open=”off”]<\/p>\n

You can try, but it probably won\u2019t work unless you have a very good reason for it. Your creditor<\/a> will consider all evidence while reviewing your dispute, including the fact that you didn\u2019t return the item during the merchant\u2019s return window.<\/p>\n

[\/et_pb_accordion_item][et_pb_accordion_item title=”What should I do if I don\u2019t recognize a charge?” _builder_version=”4.21.0″ _module_preset=”default” global_colors_info=”{}” toggle_level=”h5″ open=”off”]<\/p>\n

If you\u2019re not sure about a charge you see on your credit card statement and you can\u2019t find your receipt or online invoice, call the credit card company<\/a> and tell them that you think you’ve noticed a billing error. They can ask the merchant for more information. This isn\u2019t a dispute quite yet, just a clarification on a possible billing error. But make sure to pay the bill in the meantime, in case it\u2019s yours.<\/p>\n

[\/et_pb_accordion_item][et_pb_accordion_item title=”How long does the dispute process take?” _builder_version=”4.21.0″ _module_preset=”default” global_colors_info=”{}” toggle_level=”h5″ open=”off”]<\/p>\n

It may take days, weeks, or even months. A good rule of thumb is that disputes under $100 will generally be pretty quick, and those over can last much longer. You can help the process finish faster by quickly providing any info your creditor asks for.<\/p>\n

[\/et_pb_accordion_item][et_pb_accordion_item title=”What happens if you falsely dispute a credit card charge?” _builder_version=”4.21.0″ _module_preset=”default” global_colors_info=”{}” toggle_level=”h5″ open=”off”]<\/p>\n

There are many potential consequences for people who lie in a credit card dispute. When its caught, there will be no chance for the money to be returned. The merchant may blacklist the person who lied in the dispute, and the credit card company might cancel the cardholder\u2019s account (this would make the whole bill due immediately). In extreme cases, the merchant or creditor might also sue for damages.<\/p>\n

[\/et_pb_accordion_item][et_pb_accordion_item title=”Does disputing a charge hurt my credit score?” _builder_version=”4.21.0″ _module_preset=”default” global_colors_info=”{}” toggle_level=”h5″ open=”off”]<\/p>\n

No. When disputing a large number of unauthorized charges, there may be a note on your credit report to show that there\u2019s a dispute, but this won\u2019t affect your score. However, if the dispute fails and you don\u2019t pay<\/a> the disputed amount, then that will damage your score. You should always pay off your credit card and never go over the credit limit.<\/p>\n

[\/et_pb_accordion_item][\/et_pb_accordion][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=”1″ next_background_color=”#ffffff” _builder_version=”4.16″ _module_preset=”default” background_color=”#e4f8e0″ custom_padding=”||125px|||” bottom_divider_style=”curve2″ da_disable_devices=”off|off|off” global_colors_info=”{}” da_is_popup=”off” da_exit_intent=”off” da_has_close=”on” da_alt_close=”off” da_dark_close=”off” da_not_modal=”on” da_is_singular=”off” da_with_loader=”off” da_has_shadow=”on”][et_pb_row _builder_version=”4.16″ _module_preset=”default” custom_padding=”||0px|||” global_colors_info=”{}”][et_pb_column type=”4_4″ _builder_version=”4.16″ _module_preset=”default” global_colors_info=”{}”][et_pb_text _builder_version=”4.16″ _module_preset=”default” global_colors_info=”{}”]<\/p>\n

Review Your Credit Card Statement Regularly<\/h2>\n

Reviewing your credit card statement regularly will help you find any charge you need to dispute before the deadline to do so passes. Most creditors require you to start the process within 30-60 days of the statement date (check your cardholder agreement for the exact requirements). If you miss this deadline, then you can no longer ask to have the charge reversed. That\u2019s why it\u2019s a good habit to carefully review every credit card statement you get.<\/p>\n

If you want to make it easy for yourself to watch for incorrect charges, then recording your spending with an expense tracker<\/a> helps organize your finances so that you don\u2019t have to remember everything you bought. With a quick glance, you can see if the number on your tracker for that month matches the number on your credit card statement. If they don\u2019t, then you can start digging to find the reason why.<\/p>\n

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Know Why You\u2019re Disputing a Credit Card Charge<\/h2>\n

If you do find unauthorized credit card use, figure out why that might have happened before you speak with a credit issuer. If you got double charged or charged more than you should have, then the merchant might have made the error. However, if you see a charge you don\u2019t recognize at all or one from a store you never bought from before, then it may be a fraudulent charge. If you suspect a fraudulent charge, then immediately call your credit card company to report this and follow their instructions. You should also further protect yourself by changing all of your pin codes and passwords (even the ones that have nothing to do with your credit card). Finally, pull your latest credit report for free<\/a> to check for any other suspicious activity.<\/p>\n

5 Ways to Help Protect Your Money from Scams and Fraud<\/a><\/p>\n

[\/et_pb_text][\/et_pb_column][et_pb_column type=”1_2″ module_class=”first-on-mobile” _builder_version=”4.16″ animation_style=”slide” animation_direction=”right” animation_intensity_slide=”2%” custom_css_main_element=”margin: auto;” global_colors_info=”{}”][et_pb_image src=”https:\/\/nomoredebts.org\/wp-content\/uploads\/2021\/03\/disputing-credit-card-charge.png” alt=”Disputing a Credit Card Charge” title_text=”disputing-credit-card-charge” align_tablet=”center” align_phone=”” align_last_edited=”on|phone” _builder_version=”4.16″ max_height=”500px” max_height_tablet=”600px” max_height_phone=”” max_height_last_edited=”on|phone” custom_margin_tablet=”||-35px||false|false” custom_margin_phone=”||-45px||false|false” custom_margin_last_edited=”on|phone” border_radii=”off|200px|20px|200px|20px” box_shadow_style=”preset2″ global_colors_info=”{}”][\/et_pb_image][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=”1″ _builder_version=”4.17.4″ _module_preset=”default” background_color=”#ffffff” custom_padding=”||120px|||” bottom_divider_style=”ramp2″ bottom_divider_color=”#E7DFF3″ da_disable_devices=”off|off|off” global_colors_info=”{}” da_is_popup=”off” da_exit_intent=”off” da_has_close=”on” da_alt_close=”off” da_dark_close=”off” da_not_modal=”on” da_is_singular=”off” da_with_loader=”off” da_has_shadow=”on”][et_pb_row _builder_version=”4.16″ _module_preset=”default” global_colors_info=”{}”][et_pb_column type=”4_4″ _builder_version=”4.16″ _module_preset=”default” global_colors_info=”{}”][et_pb_text module_id=”contact-for-dispute” _builder_version=”4.17.4″ _module_preset=”default” global_colors_info=”{}”]<\/p>\n

Contact the Merchant that Billed Your Credit Card<\/h2>\n

If you\u2019re disputing a charge that you think is the merchant\u2019s fault, then you should try to work things out with the merchant before going to your creditor. If a billing error is the problem, then the merchant will likely be happy to fix it for you. If you\u2019re disputing because you didn\u2019t get what you paid for, then they might offer a solution. Keep records of all communication so that if talking with them doesn\u2019t work out, you can give your creditor proof of what happened.<\/p>\n

Contact Your Credit Card Company<\/h3>\n

Every creditor has their own process for handling credit card disputes and following their instructions is key to successfully getting your money back. Many will have you log in to your online account to fill out a dispute form. If this doesn\u2019t work for you or you\u2019re not sure how to start, then call the customer service number on the back of your card.<\/p>\n

After your creditor looks at your dispute request, it\u2019s possible that they\u2019ll contact you to ask for more details and specific evidence to support your argument. Thinking ahead and collecting this evidence before they ask for it will make you better prepared and more likely to succeed. For example, if you bought an item online and didn\u2019t get sent what was promised, then evidence for your dispute might include:<\/p>\n