Canceling a credit card purchase is not a seven-headed animal. In fact, financial institutions know that this is a problem that can happen constantly, so they make it easier for consumers to have no headaches.
When can I cancel my credit card purchase through the carrier?
There are a few situations that allow you to do this:
- Purchase a product and not receive it within the stipulated time. This applies to both physical stores and internet purchases;
- Duplicate charges for a single purchase made;
- When there are improper postings for purchases without your permission.
What can I do to cancel my credit card purchase?
The first step is to look for the company responsible for the purchase. If they agree with your claim, they will make the return process themselves.
However, if the company does not give you feedback on the situation, it is time to look for the financial institution responsible for your card. Call the number behind your card and report the entire situation to request a refund of the amount.
Under these conditions, the bank will ask you for some documents to cancel your credit card purchase.
It’s time to keep up
Once you place your order, it is important to track the status of your chargeback as it may come in credit format on your card statement. However, if your request was made with the bank, it is necessary to wait a period of the flags, but remember that the amount will be returned in the same way.
Should I always look for the bank first?
Although it helps, the bank can’t do much on its own. It is essential to go to the store first to resolve your situation, ie the bank should only be called as a last resort.
Cases where you should not go to your service provider:
- Not liking the product;
- Wrong product purchase;
- Regret the purchase moment after closing it.
Remembering that these are just a few cases. Is your situation similar? So it is better to resort to the store.
I couldn’t cancel the credit card purchase, now what?
The store may have the necessary vouchers to prove the chargeback is invalid. At the beginning of the process, the company always has the final say. If this happens, you will need to contact your bank to discuss the situation and find a way to resolve your issue.
The deadline for regretting purchases made over the internet is seven days after receiving the product. Is the problem going too far? Look for Procon instead of contacting the card operator.