In one sentence: A chargeback is a request to your card company to reverse a card payment, usually because something you paid for never arrived or was not as described.
Why it matters: Rules differ by country. In the UK, chargeback is a card-scheme process for debit, credit and prepaid cards, with a 120-day limit. Section 75 is a separate UK law for credit card purchases over £100 and up to £30,000. In the US, disputing a credit card charge is sometimes called a chargeback. For a billing error under the Fair Credit Billing Act, write to the card company within 60 days of the charge appearing on your statement. Try the seller first. This is not legal advice.
One thing to do: Find your card company’s page on disputing a charge and note the time limit.
Related terms: credit card dispute, fraud alert, impersonation scam
Checked: 25 Oct 2026. Rules and time limits change. Check your card company's own page.
