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What happens when you make a return with a credit card?

Unlike a debit card or cash purchase, a transaction made with a credit card isnt made with your own moneya credit card purchase is paid with funds from your credit card issuer. Therefore, a refund from a purchase on your credit card will return to the account and not directly to you in cash.

What is the refund protection on Chase credit card?

Return Protection applies when the retailer will not allow you to return the item for a refund, exchange or credit within 90 days of the purchase. Refunds are limited to $500 per item and $1,000 per account in a 12-month period.

How does a refund work if I used my credit card?

When requesting money back, the merchant will generally credit the refund to your original form of payment, so if you paid by card, you wont receive physical cash back. Your credit card issuer will then post a statement credit to your account, effectively reducing your statement balance by the refunded amount.

Does Chase credit card have purchase protection?

You can handle an overpaid credit card statement easily. That overpayment will subtract from your new charges, resulting in a lower statement balance. If youd rather have the money back now, you can contact your card company and ask for a refund.

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