Cardholder claim 2025

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  1. Click ‘Get Form’ to open the cardholder claim in the editor.
  2. Begin by entering your contact information, including your full name, card number, account number, and phone numbers. Ensure accuracy for prompt processing.
  3. Indicate whether you have authorized others to use your card by circling 'Yes' or 'No'. If applicable, list their names.
  4. Fill in the date of the transaction and the amount involved. Specify the merchant's name and total unauthorized transactions if any.
  5. Select a reason for submitting your claim from either the Fraud Reasons or Dispute Reasons sections. Provide detailed information as required.
  6. Sign at the bottom of the form to authorize processing. Remember, without a signature, your claim cannot be processed.

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2016 4.8 Satisfied (136 Votes)
2015 4.4 Satisfied (151 Votes)
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A dispute occurs when a cardholder questions the validity of a transaction and contacts their card issuing bank to demand a refund. Disputes are a feature of the Visa, Mastercard and American Express card networks intended to protect cardholders from fraudulent activity.
A dispute (also known as a chargeback) occurs when a cardholder questions your payment with their card issuer. The card issuer creates a formal dispute which immediately reverses the payment.
Cardholder-initiated payments (CIT): These payments are created with the cardholders active participation. The cardholder initiates the payment online or through mail or telephone order. Merchant-initiated payments (MIT): These payments are created without the cardholders active participation.
The answer is no. A dispute does not automatically equate to a refund. Think of a dispute as the preliminary stage of the case. Its the customers first step in contesting the transaction.
Transaction receipts, proof of cardholder authorization, signed delivery receipts, IP address logs, and written correspondence between you and the cardholder are examples of chargeback evidence.