信用卡的charge back

bearjoanne

很倒霉，10天前才用信用卡买了件贵重东西，几千块的，说是要6周到货。谁知道货没见到，前天收到邮件，说是该公司被Put into administration,处于被接管状态，停止trading，正在清理账目。

我现在只想把钱拿回来。联系银行了，说会给我们寄个表格，让我们做charge back申请。很郁闷，不知道这种情况拿回钱的几率有多少呢？

求大虾解疑！

Y叔

倒闭的公司要先付大的债主，如果还有富裕再付小的，个人欠款拿回的可能性不大。

bearjoanne

我是说通过银行，毕竟是信用卡付的，如果申请，我的银行是可以帮助charge back的。银行说有这个可能性，只是没说100%肯定可以，要申请了才知道。

想知道大家有没有过这种经历？

A chargeback occurs when a person disputes a charge made to their credit card, and the money is refunded back to his or her account. The card issuer then charges the refunded amount back to the original merchant, along with an additional penalty fee. Chargebacks generally take place when previous attempts to correct the problem with the merchant has been unsuccessful and the customer makes an appeal to their financial institution or credit card company to get their money back. Once a complaint has been made, a short investigation is conducted and the money is posted back to the cardholder’s account after the dispute resolution process has been completed.

The most common situations resulting in a chargeback include: a cardholder failing to recognize the transaction description on their credit card statement and disputing the charge, being charged more than once for the same item or service, a charge being posted to the wrong person’s account (usually the result of entering the wrong account number while processing the transaction), being overcharged, dissatisfaction with the product or service that was charged, not receiving the products ordered or receiving a product different from the ones that were ordered, or charges that were not authorized by the cardholder (usually the result of theft or fraud). Customers are usually encouraged to try to resolve the problem with the merchant before requesting a chargeback. If the issue is not resolved after taking the complaint up with the merchant, the customer will then call their card issuer to dispute the charge and ask that it be charged back to the merchant.

[ 本帖最后由 bearjoanne 于 2010-10-30 16:54 编辑 ]

Y叔

原帖由 bearjoanne 于 2010-10-30 16:51 发表
我是说通过银行，毕竟是信用卡付的，如果申请，我的银行是可以帮助charge back的。银行说有这个可能性，只是没说100%肯定可以，要申请了才知道。

想知道大家有没有过这种经历？

A chargeback occurs when a person disputes a  ...

不清楚你的情况适不适用于chargeback，一般chargeback是怀疑信用卡被盗用，如果商家拿出签字证据则不能chargeback。你的transaction是正常的，只是商家倒闭了，祝你好运吧。

bearjoanne

原帖由 ys98 于 2010-10-30 17:47 发表

不清楚你的情况适不适用于chargeback，一般chargeback是怀疑信用卡被盗用，如果商家拿出签字证据则不能chargeback。你的transaction是正常的，只是商家倒闭了，祝你好运吧。 ...

根据我了解的信息，不只是信用卡盗用才可以chargeback，如果是网上购物没收到货都可以chargeback的。不过还是谢谢你。

等我回头来更新情况。

炽热风

看你的CREDIT CARD是那种

有没有售后保险的

一般白金卡都有的了