What is the timeframe for card disputes?

Okay, so you’re wondering about how long you have to dispute a credit card charge, huh? It’s a good question, and honestly, it’s one I’ve had to Google myself more than once!

Generally speaking, you’ve got about 120 days to dispute a transaction. That’s 120 days from either the date of the transaction or the date you were supposed to receive whatever you bought – whichever comes later. Think about it, that makes sense, right? You wouldn’t want to be penalized for something you ordered that just never showed up.

But! (There’s always a but, isn’t there?) Mastercard and Visa, those lovely giants, can sometimes let you dispute charges way later than that – like, up to 540 days! Whoa! That’s almost a year and a half. That’s definitely not always the case, it really depends on the specific reason for the dispute, what they call a chargeback.

For example, I remember this one time I ordered a custom-made piece of furniture, and it arrived, like, totally wrong. We’re talking completely different color, different wood, just a disaster! It took forever to sort out, lots of back and forth. Luckily, the credit card company was super understanding, and because it was a custom order with a whole heap of documentation, they worked with me even though it was maybe four or five months later. Phew! Saved me a bundle.

So, the takeaway? 120 days is a good rule of thumb, but it’s always worth checking with your card issuer directly if you’re pushing that limit, especially if you’ve got a really good reason. It never hurts to ask, right? You might be surprised!