Question 1

How do I win a credit card chargeback dispute?

Accepted Answer

Card issuers resolve disputes in your favour when you submit structured, specific evidence. You need: a clear dispute narrative explaining what happened, a timeline of contact attempts with the merchant, evidence of your purchase and the merchant's failure to deliver, and the exact dispute reason code. Chargeback Ghost generates all of this.

Question 2

How long do I have to file a chargeback?

Accepted Answer

Most card issuers allow chargebacks within 60–120 days of the statement date. Visa and Mastercard generally allow 120 days; American Express allows up to 120 days for most disputes. File as soon as you determine the merchant will not resolve the issue.

Question 3

What is the difference between a chargeback and a refund?

Accepted Answer

A refund is issued by the merchant voluntarily. A chargeback is a reversal initiated by your card issuer against the merchant. Chargebacks are governed by card network rules and consumer protection law — the merchant must respond with evidence or the chargeback is automatically awarded to you.

Question 4

Can merchants fight a chargeback?

Accepted Answer

Yes — merchants can submit a rebuttal with evidence. This is called representment. Having a well-structured dispute package that directly refutes common merchant defences significantly improves your win rate. Chargeback Ghost's package anticipates and preemptively addresses typical merchant rebuttals.

Fight bad charges with a professional dispute package