Consumer Rights: How to Use Credit Card Chargebacks

A chargeback allows you to dispute a transaction with your credit card issuer if a merchant fails to deliver.

Common Grounds for Dispute

Non-delivery of goods, service not as described, or unauthorized transactions are valid reasons for a chargeback.

The Merchant's Opportunity

You must generally attempt to resolve the issue with the merchant first before involving your bank.

Protecting Your Account

Frequent, frivolous chargebacks can lead to your credit card account being closed, so use this power wisely.