Credit Card Recoveries 101 – Process and Rules for Shoppers


When credit cards are used wisely, they offer an incredibly convenient way to pay for goods and services. They fit neatly into your wallet, you don’t need to have a lot of money with you and you can easily shop via the internet from the privacy of your own home – all thanks to a small piece of plastic.

The other bonus? When you pay for business with a credit card, you are legally guaranteed to receive it as promised. If that is not the case, federal rules require banks issuing a credit card to reverse transactions in this type of case in the form of a refund.

Recovery is an extremely powerful tool for forcing companies to do the right thing. Read on to find out more.

Use credit card chargebacks

Use credit card chargebacksUse credit card chargebacks

When to use a chargeback


Although credit card companies can tackle fraud internally, a reclaim can be requested in cases where you have legitimately authorized payment for goods or services that have not been received or not delivered as described. In these situations, as a first step, you must offer the trader every opportunity to refund your money or reach another settlement that is acceptable to you. Only after you have exhausted all your options to establish an agreement with the seller, you must contact your credit card company and start the chargeback process.

In some cases it is possible that there is no longer a company to contact. For example, I once had a VoIP telephone service with a company that went bankrupt. Without being able to request a refund, I was able to have my credit card company make a pro rata refund of the payments I had already made.

How to achieve a fair settlement without executing a recovery

How to achieve a fair settlement without executing a recovery

Reversals are very serious for retailers. In addition to the big hassle of defending yourself against your allegations, they suffer from large financial fines with their credit card processor whenever a recovery is made against them. Ultimately, they will pay more money for every credit card transaction that they process and in extreme cases, they will lose their ability to fully accept credit cards.

For these reasons, informing a stubborn trader of your intention to file a recovery is one of the best tips to outsmart customer service strategies. Representatives at large and small companies are trained to take these threats seriously and are authorized to resolve issues to your advantage in these cases.

The process for requesting a chargeback



Once you’ve tried everything, including the threat of a recovery, there may be no other story than to call your bank to actually request one. Your bank must include details of your complaint by telephone and issue a temporary credit for the amount in dispute.

You will then receive a form by post asking for additional information and documentation to support your claim. As soon as the bank receives your documentation, the seller has the option to respond.

Finally, the bank will inform you of their decision to approve or refuse your recovery request. If it is declined, your account will be charged with the disputed amount again.

How to win a recovery


You should start collecting documentation from the moment you suspect a seller is not being honest with you. Just like the threat of a recovery, the presentation of that documentation can also force the other party to do the right thing.

After the recovery has been requested, complete the form from your bank in time. Be concise, limit your case to only the relevant details and provide sufficient supporting documentation.

Please note that your entry will be read by someone who evaluates the recovery of requests throughout the day. That person searches for solid evidence that the goods or services for which you have paid have not been received or that they are substantially different from the description. For example, if an item you received has a different specification than the advertisement, this would be a much better case than a product that you thought the overall quality did not meet the description.

Last word


If you use your credit card as a payment method, you are legally guaranteed for the products or services for which you have paid. Not only must you receive them on time, they must also be delivered as described. When something goes wrong, the representatives of a large company will often be unable or unwilling to do the right thing when it comes to paying back your money.

In other cases, smaller conscience Mr. Bumpless companies refuse a legitimate request for reimbursement in the hope that you will not request a refund. By using this option as a last resort, you can realize your legal rights and prevent you from becoming a victim of unfair or incompetent traders.

Have you ever resorted to using a credit card reversal to get your money back? What was the process like and what was the final result?



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I love my daughter’s school, but I can’t help but moan when I receive a letter about an upcoming scholarship. We all know that it is usually the parents who are looking for poster boards and markings for a last-minute masterpiece late at night. I exchanged many tired looks with co-parents of Home Depot, bought plywood and paint for a diorama


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