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Is it not possible to dispute and chargeback via credit card provider? My strategy of giving three attempts to get a refund as per their procedures, then warnin

by rytis 4y ago

Is it not possible to dispute and chargeback via credit card provider? My strategy of giving three attempts to get a refund as per their procedures, then warning about dispute, then eventually issuing a chargeback worked quite fine so far across multiple vendors. It rarely goes as far as the actual chargeback, typically the warning is sufficient.

tluyben2 4y ago
If you paid via Cc sure, but, in the EU at least, bank or debit card are pretty common, and while it is possible to charge back with those, it is pretty hard depending on the policies and size of the bank. I have a bank acc in Spain who chargeback without questions when I pop over an email, while my dutch or uk accounts require stacks of paperwork and often say ‘nope’.
- yencabulator 4y ago
  For what it's worth, some places in EU at least used to have "debit cards with credit-equivalent consumer protection". My MasterCard back in the day explicitly advertised that. Just don't rely on every debit card doing that.
- rytis 4y ago
  I'm in UK (so until not that long ago, EU :) ). Don't need credit cards for the "credit" part, but I'm exclusively using them for online (or any) shopping, purely for the safety reasons mentioned. As far as I can see, there's no downsides as long as you're paying it all off every month.
  - tomduncalf 4y ago
    Exactly, plus I believe paying off a credit card improves your credit score. Some debit cards at least do offer protection (mine is Santander) but it’s not by law so I don’t know if it is as effective as chargebacks, which I’ve had cause to use a couple of times and thought worked great. I also only pay on credit online now and pay off in full, and tell others to do the same.
  - gambiting 4y ago
    So I'm in the UK as well, and have you ever actually tried issuing a chargeback? Because I have - and unlike in US, where I understand that you can just issue a chargeback by just asking your bank to do it, in here I was asked to provide all kinds of proof, then they had to wait 30(!!!) days for a reply from the seller to give them their version of events, then it took another 2 weeks for the bank to reply that yep, looks like you've been scammed alright, here's your money back.
    - soco 4y ago
      And after those two months you got your money back, unlike when paying directly when after two months you're just as scammed as before.
      - gambiting 4y ago
        I mean, I can do(and have done) the exact same thing with a Debit card payment, so using a credit card has offered no extra benefit here. But yes, if you just used a direct bank transfer then you're screwed.
        jjav 4y ago
        > I can do(and have done) the exact same thing with a Debit card payment, so using a credit card has offered no extra benefit here. If you're in the USA (elsewhere I don't know the rules) there is a big difference that isn't immediately obvious. With a credit card, you are not liable by law (regulation) so you always have this benefit. With a debit card, most reasonable banks offer no liability as a customer retention perk, but nothing requires that to be true. They could at any moment decide to leave you hanging, if they decide it's cheaper to lose you as a customer than offer the benefit.
    - benj111 4y ago
      I've done it a few times. It isn't exactly onerous. Just proving you've bought the item, tried to resolve the issue etc. How quick do you want it to happen? I know Barclaycard set the debt to one side, so you don't have to pay, aren't charged interest in the interim.

by rytis 4y ago

tluyben2 4y ago

If you paid via Cc sure, but, in the EU at least, bank or debit card are pretty common, and while it is possible to charge back with those, it is pretty hard depending on the policies and size of the bank. I have a bank acc in Spain who chargeback without questions when I pop over an email, while my dutch or uk accounts require stacks of paperwork and often say ‘nope’.

yencabulator 4y ago
For what it's worth, some places in EU at least used to have "debit cards with credit-equivalent consumer protection". My MasterCard back in the day explicitly advertised that. Just don't rely on every debit card doing that.
rytis 4y ago
I'm in UK (so until not that long ago, EU :) ). Don't need credit cards for the "credit" part, but I'm exclusively using them for online (or any) shopping, purely for the safety reasons mentioned. As far as I can see, there's no downsides as long as you're paying it all off every month.
- tomduncalf 4y ago
  Exactly, plus I believe paying off a credit card improves your credit score. Some debit cards at least do offer protection (mine is Santander) but it’s not by law so I don’t know if it is as effective as chargebacks, which I’ve had cause to use a couple of times and thought worked great. I also only pay on credit online now and pay off in full, and tell others to do the same.
- gambiting 4y ago
  So I'm in the UK as well, and have you ever actually tried issuing a chargeback? Because I have - and unlike in US, where I understand that you can just issue a chargeback by just asking your bank to do it, in here I was asked to provide all kinds of proof, then they had to wait 30(!!!) days for a reply from the seller to give them their version of events, then it took another 2 weeks for the bank to reply that yep, looks like you've been scammed alright, here's your money back.
  - soco 4y ago
    And after those two months you got your money back, unlike when paying directly when after two months you're just as scammed as before.
    - gambiting 4y ago
      I mean, I can do(and have done) the exact same thing with a Debit card payment, so using a credit card has offered no extra benefit here. But yes, if you just used a direct bank transfer then you're screwed.
      - jjav 4y ago
        > I can do(and have done) the exact same thing with a Debit card payment, so using a credit card has offered no extra benefit here. If you're in the USA (elsewhere I don't know the rules) there is a big difference that isn't immediately obvious. With a credit card, you are not liable by law (regulation) so you always have this benefit. With a debit card, most reasonable banks offer no liability as a customer retention perk, but nothing requires that to be true. They could at any moment decide to leave you hanging, if they decide it's cheaper to lose you as a customer than offer the benefit.
  - benj111 4y ago
    I've done it a few times. It isn't exactly onerous. Just proving you've bought the item, tried to resolve the issue etc. How quick do you want it to happen? I know Barclaycard set the debt to one side, so you don't have to pay, aren't charged interest in the interim.