How can I get a refund on a product or service I purchased with my credit card?

Contact your credit card company to see whether you can dispute a charge. In some cases, the credit card company can reverse the charge. This is sometimes called a chargeback.

Billing errors can happen for a number of reasons. It can be considered a billing error to be charged for a purchase when you did not receive what you ordered or did not accept delivery of the purchased items. You should send a notice about a billing error to your credit card company within 60 days of the charge appearing on your credit card statement. You can look up your credit card agreement to see if your company provides more details about handing billing errors.

If you’ve only paid part of the cost of a service or product purchased with a credit card—including through an option from your credit card to split your payments—you may have the right to not pay the remaining amount. In general, the requirements are:

• You tried in good faith to resolve the issue with the seller
• You made your purchase in your home state or within 100 miles of your home address
• The price of the service or product was more than $50
• You used your credit card—including the card’s own service for splitting your payments—to pay for the purchase
• You have not yet fully paid for the product or service