Is it easy to get a reverse payment for online purchase via credit card?

[abbby]

Is it easy to get a reverse payment from the bank for online purchases via credit card?

[smoulder]

Yes

[firsatrehberi]

Thanks for the information

[malcontent]

Disputing a charge is easy and gets credited to your card right away… but if the merchant disputes your dispute (which is also easy for them to do if they have any evidence that you made the purchase), it gets reversed just as easy, and the charge will be added back on to your credit card. If you choose to re-dispute, you’ll need hard evidence as to why, or you’ll need to take it to court.

Knowing that this is where things eventually end up down the cc dispute path, you are encouraged to resolve any disputes directly with the merchant before disputing with the cc issuer. It’s just not a great mechanism unless it’s a genuine blunder that a merchant refuses to resolve, despite having no evidence that you agreed to the charge.

[kenny666]

getting a reverse payment on a credit card isn’t usually too hard if you have a good reason, like fraud or a mistake. Just contact your bank as soon as you notice the issue and they’ll walk you through the process.

[malcontent]

You should always try to contact and resolve with the merchant first. If you are unable to resolve, then contact your cc issuer to lodge a dispute. Yes, reversing a charge is easy, but getting it to stay reversed is not always easy.

The merchant must pay an extra fee once you lodged a dispute, so the incentive to resolve with you is gone and they are less likely to be cooperative. This is why you should try that path first.