Credit Card Refunds – When and How to Ask for Your Money Back
Im sure most people have dealt at least once with unsatisfactory service. Quality complaints, products not up to standards or not what you wouldve expected. And, in the good American fashion, what did you do? You disputed the charges with the credit card company/bank, being almost sure that you wont be charged anything right? Well, it might not have been the best decision. And heres why:
The money back guarantee condition only applies if you are indeed eligible to get the money back. If you just had a change of heart and decided you dont want the product you just bought, chances are you wont see a penny if the company that you bought it from and from where you request the money back now decides to dispute the case.
In this case, itll be almost as if youre going to court with that company: your bank and the company will present their arguments before a chargeback committee which will decide on whose side the truth lies. And if they rule in favor of the company, not only you will not get the money back, but youll also pay a chargeback fee So the entire thing might end up costing you more...
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