I'm not sure if it's official policy or not, but in my experience at least it's 72 hours after you realise. In the past I reported payments from my card that I

I'm not sure if it's official policy or not, but in my experience at least it's 72 hours after you realise. In the past I reported payments from my card that I hadn't made dating back several months and I got them all refunded without it costing me a penny.