Cardholders have a 75-120 day chargeback filing window after the transaction processing date.
The time limit varies, depending on the reason for the chargeback.
Generally speaking, cardholders have 120 days to file a chargeback for issues related to: counterfeit or non-counterfeit fraud.
Is there a time limit to file a chargeback?
In most cases, cardholders may only file a chargeback within 120 calendar days of the Central Site Business Date, with some codes requiring shorter timeframes. Note that these limits apply only to the issuer and/or cardholder; acquiring banks and merchants have a set time limit of 45 days to respond to each phase.
How long does a chargeback take Visa?
Visa says a typical chargeback – which occurs when a cardholder disputes a charge and receives a refund from the card issuer – takes 46 days to resolve. If the case is complicated, the chargeback process can last 100 days or more.
Can you dispute a credit card charge after 90 days?
You have 60 days to dispute a charge.
If you catch a billing error on your card statement, you have the right to dispute the charge with your card issuer, but you have to act quickly. Under the Fair Credit Billing Act, you have 60 days after the bill was mailed to you to report the incorrect charge.
How long does a cardholder have to dispute a transaction?
How long does a cardholder have to dispute a charge and are there any exceptions to the timeframe? For most disputes the time frame is 120 days (U.S.) and 180 days (International) from the transaction date of the original sale or the date of discovery of the issue (i.e., defective merchandise).