When you are dissatisfied with a purchase, options are to return the merchandise to the store or suffer buyer's remorse. However, a third option may be to request your credit card company resolve the situation on your behalf.
Defective Merchandise
For purchases made on your credit card, you have the right to charge the sale back on your credit card if the merchandise is damaged or substandard. Before contacting your credit card company, take the product back to the merchant for your money back or store credit. If this is unsuccessful, contact your credit card company using the toll-free customer service number on your credit card statement.
Merchandise Not Received
Merchandise purchased online or by mail that is not received within the merchant's published shipping time may also be charged back. Again, first attempt to allow the merchant to resolve the situation to your satisfaction.
Unauthorized Transactions
Sometimes credit cards are used to reserve hotel rooms, rental cars or travel packages. Whenever you have given out your credit card number, be sure to examine your statement carefully. Any charges you did not approve can be charged back.
Merchant Responsibilities
A merchant is responsible for verifying that a sale meets customer satisfaction. When a credit card is used, the merchant is also responsible for verifying that the transaction was properly authorized.
Cardholder Responsibilities
The card holder's job is to allow the merchant to resolve your complaint. If the merchant has clearly posted that only store credit is allowed for returned merchandise, a charge back may not be allowed. Call your credit card company for guidance.
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