Getting a refund from your card issuer
Card payments come with protection that bank transfers do not have. Through your card issuer you can ask for a payment to be refunded when the seller does not fulfil the contract. For credit card purchases, the lender may also be liable alongside the seller by law.
You will need
- Order confirmation and payment details
- Messages with the seller
- Your complaint and its date
- Card details and the bank's contact details
Steps
Complain to the seller first
Demand delivery or a refund from the seller in writing and give a reasonable deadline. The card issuer will usually ask whether you have tried to resolve the matter with the seller.
Identify how you paid
Contact your bank
Attach evidence
Act within the time limits
Invoke the lender's liability
Follow the processing
Get help if needed
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