Getting Your Money Back If You Paid By Card

There are steps you can take if you bought something by credit card, debit card, charge card. You can ask for a refund if you:

— Didn't get what you paid for

— Got something faulty or broken

— Got something that's different to how it was described

Ask your card provider to help.

How do I claim a refund on something I've purchased with my credit card?

Claiming a refund on something you’ve purchased with your credit card will be straightforward, particularly if you haven’t used the goods or services you bought.

1、Contact the retailer and provide them with the details of the credit card you used to make the purchase. Have your receipt to hand, as well as details of their return policy and your recent credit card transactions. If you don’t have your receipt, showing another kind of proof of purchase (such as the credit card statement) should suffice. 

2、If the retailer agrees to the refund request, they will refund the amount directly to your credit card issuer who will adjust your card balance and credit limit to reflect this. It means that any outstanding credit card balance will be reduced. 

If the retailer does not respond to your request or refuses to issue a refund, you may still be able to get your money back. Contact your credit card company and tell them:

1、The details of what you bought and how much you paid. Again, try to provide a receipt or other proof of purchase. 

2、Explain that you’ve not been able to get a refund from the retailer and include details of any correspondence. 

3、Stress you are making a claim for your refund under Section 75 of the Consumer Credit Act and keep a record of the email you’ve sent. 

4、Your credit card company is obliged to look at your case and issue a refund – by making a chargeback from the seller – if they agree you have wrongly been rejected.