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Title: Can CC chargebacks go further back than one year? Post by: notig on February 05, 2013, 05:55:58 AM Just curious
Title: Re: Can CC chargebacks go further back than one year? Post by: Skins on February 05, 2013, 06:32:39 AM I don't think so, it would look suspicious if you were to ask for one 1 year later.
Title: Re: Can CC chargebacks go further back than one year? Post by: BurtW on February 05, 2013, 06:39:19 AM I used this fancy new web site called "Google":
http://www.webhostingtalk.com/archive/index.php/t-296411.html Title: Re: Can CC chargebacks go further back than one year? Post by: avegetable on February 05, 2013, 08:57:42 AM Yes
They usually have a 120 day time limit (or 180 days for international transactions) for the customer to request the chargeback. But in many cases, that time can be counted from the date that the customer first discovers a problem. An example would be: a customer who pays one year in advance for web hosting could file a chargeback 11 months later, by claiming the service had just developed a problem. Mastercard has a 540 day hard limit on chargeback claims, which starts from the payment date. Probably the other CCs have something similar. I assume that means that if a chargeback isn't filed within 540 days of the payment, then they will not accept it. 540 days is about 18 months Title: Re: Can CC chargebacks go further back than one year? Post by: panda1 on February 05, 2013, 06:30:29 PM I had someone file a paypal chargeback against me one year later.
Title: Re: Can CC chargebacks go further back than one year? Post by: Katnip on February 05, 2013, 10:18:43 PM I don't think it can go past whatever PayPal's limit is, which I assume would be around 180 days, I could be wrong tho.
Title: Re: Can CC chargebacks go further back than one year? Post by: davout on February 05, 2013, 10:32:52 PM I recall hearing 13 months in France.
Title: Re: Can CC chargebacks go further back than one year? Post by: hardcore-fs on February 05, 2013, 10:35:26 PM I don't think it can go past whatever PayPal's limit is, which I assume would be around 180 days, I could be wrong tho. Paypal is 42 days (WHY?), CC can be as low as 60 days . Depending on the contract. Title: Re: Can CC chargebacks go further back than one year? Post by: Matthew N. Wright on February 05, 2013, 10:38:47 PM I find it interesting that chargebacks only seem to work when they are in the best interest of the credit card companies. A decade ago the owner of an electronics store in my hometown was hit with an Amex fraud where someone bought $20,000 worth of plasma TVs and had them delivered across the street from the business in a grocery store parking lot at midnight (after hours). Amex claimed that the chargeback could not be done because the delivery was made and confirmed (even though it was a different location).
I lost all faith in credit cards since then. Title: Re: Can CC chargebacks go further back than one year? Post by: btcsql on February 05, 2013, 11:30:14 PM I don't think it can go past whatever PayPal's limit is, which I assume would be around 180 days, I could be wrong tho. Paypal is 42 days (WHY?), CC can be as low as 60 days . Depending on the contract. I always wondered where they came up with that number of 42.... it seems pretty off the wall. |