How Long to Expect Your Credit Card Refund

You’ve finally gotten around to cancelling that pesky credit card you never use, but how long will it take to get your refund? We’ve got the answer.

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How long does it take for a refund to post to your credit card?

It depends on your credit card issuer, but it usually takes at least a few days for a refund to post to your account. In some cases, it may take as long as a week or two. If you’re wondering how long you can expect your refund to take, contact your credit card issuer directly.

How to dispute a charge on your credit card

It’s important to know how to dispute a charge on your credit card, so you can get your money back if you’re ever overcharged or if you spot a fraudulent transaction.

The first step is to contact the merchant and try to resolve the issue directly with them. If that doesn’t work, you can contact your credit card issuer and file a formal dispute.

You should do this as soon as possible after you realize there’s a problem, because most issuers have deadlines for filing disputes (usually around 60 days).

Here’s what you need to know about how to dispute a charge on your credit card.

How to dispute a charge on your credit card
The first step is to contact the merchant and try to resolve the issue directly with them. If that doesn’t work, you can contact your credit card issuer and file a formal dispute.

You should do this as soon as possible after you realize there’s a problem, because most issuers have deadlines for filing disputes (usually around 60 days).
When you contact your issuer, they will open up a case and will investigate the charge. Depending on the outcome of the investigation, the issuer will either refund the disputed amount or will close the case without further action.
If the issuer rules in favor of the merchant, you may still have options for getting your money back — for example, if you have documentation that proves the charge is incorrect. You can also file a report with your local consumer protection agency or the Better Business Bureau (BBB).

How to get a refund on a credit card purchase

Getting a refund on a credit card purchase is easy and only takes a few steps.

First, contact the merchant and request a refund. If the merchant is unable to process a refund, contact your credit card issuer for help.

Next, the credit card issuer will investigate the claim and determine if you are eligible for a refund. If you are approved for a refund, the issuer will credit your account within a few days.

If you do not receive your refund within a few days, contact your credit card issuer to follow up on the status of your refund.

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