How far back can you chargeback?

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  • Shap
    Confirmed User
    • May 2001
    • 8313

    #1

    How far back can you chargeback?

    I had to chargeback a charge on my canadian visa and the lady told me 75 days was the maximum. I was sure it was 6 months. What's the deal? Did she lie? or have our processors been pushing some chargebacks that weren't chargebacks?
  • After Shock Media
    It's coming look busy
    • Mar 2001
    • 35299

    #2
    6 months seem about right from what I have seen including non adult.

    [email protected] ICQ:135982156 AIM: Aftershockmed1a MSN: [email protected]

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    • davethetruth
      Confirmed User
      • Jan 2004
      • 2806

      #3
      Amex is 2 months I believe
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      • Rinaldo
        Confirmed User
        • Sep 2003
        • 5086

        #4
        Great question, I think they've been getting tougher on them recently Shap.
        I remember 2 years ago I charged something back 4 months after it had happened and it was pretty easy.

        (My bank Debit card) calls me once a month to ask me if I really did buy all those things and i just confirm it and that's it. They always ask "are you sure this option will expire after 30 days from the date of transaction"


        Someone once told me you can chargeback a check 7 years after it is written. is taht true?
        Last edited by Rinaldo; 07-22-2005, 01:15 PM.

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        • Jayde
          Confirmed User
          • Nov 2003
          • 108

          #5
          According to the bank, once a check has been cashed you cannot charge it back. And even 2 years ago, MBNA wouldn't let me charge back a fraudulent charge after 60 days. Which is why I can't understand how all these people can do a chargeback even after 12 to 18 months on their credit card and 3 to 6 months later on their online checks. It boggles the mind.
          Jayde
          http://www.hotindianbabe.com

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          • BVF
            Black Vagina Finder
            • Jan 2002
            • 13975

            #6
            six months? I didn't think it was longer than three...

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            • jact
              Confirmed User
              • Sep 2002
              • 9134

              #7
              Originally posted by shap
              I had to chargeback a charge on my canadian visa and the lady told me 75 days was the maximum. I was sure it was 6 months. What's the deal? Did she lie? or have our processors been pushing some chargebacks that weren't chargebacks?
              If it's Canadian, you have a full 365 days under the Consumer Protection Act to get your money fully refunded, you don't even need a chargeback. It's the law.
              Free agent

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              • wha wha wha
                So Fucking Banned
                • Jul 2005
                • 367

                #8
                Originally posted by BVF
                six months? I didn't think it was longer than three...
                I have seen six month range chargebacks, they hurt.

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                • Kimmykim
                  bitchslapping zebras!!!!!
                  • Jun 2001
                  • 16015

                  #9
                  It depends on the bank and the type of transaction. Something recurring without a signature -- especially in the high risk range -- has totally different rules than something you signed for on delivery or a swipe transaction.

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                  • Shap
                    Confirmed User
                    • May 2001
                    • 8313

                    #10
                    Originally posted by Kimmykim
                    It depends on the bank and the type of transaction. Something recurring without a signature -- especially in the high risk range -- has totally different rules than something you signed for on delivery or a swipe transaction.
                    That makes sense. This was a signed transaction.

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                    • TheDoc
                      Too lazy to set a custom title
                      • Jul 2001
                      • 13827

                      #11
                      It depends on the agreed merchant account..

                      We have been told flat out that we could not CB and got hung up on. We called the bank and visa, both put us through to the company we had problems with and the company just said no.
                      ~TheDoc - ICQ7765825
                      It's all disambiguation

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