How Do You Dispute A Credit Card Charge?

DiDispute A Credit Card Charge

Life is great 😀 But however good things are, unless you’re really lucky, at some point you will feel like you’ve been scammed by some merchant. Although this tends to happen less and less, as people rarely succeed in business if they are not seen as reliable, it has been known to occur.

So, what do you do if you find yourself in this position? Well, if that curse you put on the person who ripped you off doesn’t seem to work, you may take this up with a higher power. No we don’t mean God. We mean your card provider.

Here are the steps you should usually follow to dispute a credit card charge:
  1. Call the number on the back of your credit card –  There should be a phone number to call if you’re in your home country or if you’re abroad. 
  2. Explain that you have been sold a faulty good or service, and give the name of the merchant – the credit card department will take you through how to claim (online, by post or over the phone) using either the Chargeback or Section 75 process.
  3. You will be expected to provide them evidence to support your claim. This proof will depend on your claim but may include:
    1.  proof of your purchase
    2.  terms and conditions of your purchase
    3.  evidence that the goods or service you received was damaged, faulty, or different from their description
    4.  evidence that the goods or service you received were not delivered or supplied
    5.  details of any statements or descriptions made by the seller about the goods or services.

Your card provider will contact the bank of the merchant, and, if all goes smoothly, they will simply take the funds out of their account, and place them back in yours.

When you use a credit card, you are covered by Section 75 of the Consumer Credit Act. When you use your Curve card to make a transaction, it isn’t a direct purchase, so you aren’t covered by this act.

But naturally, we’ve given you something far better. Curve Customer Protection offers you a better deal (We’re thinking of naming it Section 💯) 

Let us break the differences between the two policies down for you: 

Curve Customer Protection:  Section 75 (Credit Card Protection):
Available on all Curve purchases up to £100,000 Available on purchases between £100 and £30,000
Available to all UK and non-UK Curve customers Available to UK customers only
Available on all eligible Curve purchases (with underlying debit or credit card) Available on credit card purchases only
Claim within 120 days of purchase Claim within 6 years of purchase in UK (5 in Scotland)
Claims refunded within 1 working day on supply of documents Processing time for customer claims varies by card issuer

*Section 75 of the Consumer Credit Act 1974.

So, as you can see, with Curve Customer Protection, you can rest assured your finances are protected. Want to find out more? Here’s our super-useful guide. 

Download the Curve app