| | | | Dear Reader, | When a mystery charge hits - or a "free trial" quietly turns into a paid subscription - many people hear the same advice: "Just dispute it." But the dispute process isn't a moral judgment. It's a rules-driven system with deadlines and evidence standards that don't care how aggravated you are. | That's not theoretical. In the CFPB's latest credit card market report, cardholders disputed $9.8 billion in credit card charges in 2024, and the most common reason was cancelled recurring transactions like subscriptions. That tells you where households are getting tripped up: recurring billing, cancellation terms, and proof. |
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| | | | | Why This Matters | A chargeback is a process your card issuer runs through the card network to challenge a transaction. It can help when you didn't authorize a charge, didn't receive goods, or received something materially different than promised. | But "just dispute it" doesn't always work because many disputes fail on timing and documentation. Under the FTC's plain-English guide to billing error rights, you generally must dispute billing errors in writing within 60 days of the date the first statement with the error was sent. Miss that window, and your leverage drops fast. | In plain terms: if you wait, you may end up paying even when the situation feels unfair. |
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| | | | | Where Things Stand | Denials usually come down to a few predictable problems: | Services were rendered / terms were disclosed. Subscriptions, memberships, and digital services often come with terms the merchant can produce. The merchant's evidence is stronger than yours. Delivery confirmation, usage logs, and cancellation policies can outweigh a vague complaint. Network timeframes are tight. Many non-receipt or service-not-provided claims are measured around 120 days depending on the facts and the network's rules, as shown in Visa's dispute-rule clarifications.
| Documentation Checklist | Put these in one folder (screenshots count): | Receipt/invoice + order number The merchant descriptor as shown on your statement Cancellation confirmation (date/time matters) Delivery tracking or promised service date Photos if damaged/not-as-described Your outreach trail: emails, chat logs, call notes
| A Dispute Sequence That Improves Your Odds | Start with a clean, short request to the merchant (refund/cancellation) Cancel properly and save proof immediately File the dispute promptly with your issuer using the CFPB's dispute steps Match the dispute reason to the facts (unauthorized vs. not received vs. not as described) Send evidence, not emotion
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| | | | | The Patriot Perspective | Chargebacks are a safety net, not a strategy. The best way to protect household cash flow is the same way you protect a portfolio: act quickly, document carefully, and assume the rules will be enforced - because they will. | Stay steady,
The Patriot Investor |
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