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Tips to Ensure a Credit Card Refund

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Here’s How to Get a Credit Card Refund

Credit cards have become the payment plan of choice for most transactions.  While a credit card transaction can be processed quickly, efficiently, and painlessly, a credit card refund is usually the complete opposite – slow, inefficient, and a total nightmare.

Few people have the time or patience to navigate the credit card refund process.  If you’d rather not tackle the task on your own, let eConsumer Services® help you.  We’ll secure a successful credit card refund on your behalf.  Just fill out the form to the right and we’ll get started right away.

How to Get a Credit Card Refund on Your Own

When trying to get credit card charges refunded, you must first identify the reason for the error.  Was your card stolen?  Was the purchase made without your authorization?  Did the merchant accidently charge your card twice?  Or, are you simply dissatisfied with the product or service?

Sadly, there are many times when you’ll need get your money back because the original transaction was faulty.  You might have been charged the wrong amount, charged numerous times, fall victim to identity theft or an internet scam, or have your card stolen from you. There are many scenarios with many reasons for you to take precaution. If your credit card falls victim to theft, report this to your bank or credit company immediately. If you card is involved in an internet scam, report an internet scam immediately. These instances call for a replacement card and a possible investigation. Most other instances require a credit card refund process.

If you are simply dissatisfied with the purchase, the process is a bit simpler – there are no scams to report, criminal charges to file, or new cards to order.  However, that doesn’t mean it will be easy!

There are ways to make the process more efficient though.  Check out these five easy steps to take to get a credit card charges refund promptly:

  1. Ask the merchant for all possible ways for the credit card charges refund, such as PayPal or cash, so that you can receive the money back instantly rather than wait weeks.
  2. Submit your request for a credit card refund in writing to the company and always ask for a receipt. If you have proof of the transaction, proof that your card was used for a certain amount at a certain time, and written proof that you’ve tried contacting them, then they know they have to issue you a refund. This also helps when you have to speak with more than one person at the company so that they can see everything laid out in front of them and which steps have already been taken. It won’t be starting over with each new contact.
  3. Learn the rules of a credit card refund so that if there are any laws in your favor you can bring these up. Companies want you to wait so that they can take their time and use your money until they feel like sending it back to you. If you know they have a time frame in which they are required to return your money, they will have to follow the rules.
  4. Know the language that the employees use on their invoices to speed up the refund. If you can talk to an employee, they may tell you how to write a code where your refund is expedited in thirty days instead of ninety.
  5. Stay persistent with the company so that they speed up their process and return your money to you immediately.

Those five steps on how to get a credit card refund will help you have your money that you worked hard for returned back to you in a reasonable amount of time.