Conditions

The Cardholder claims that a full or partial Credit promised by the Merchant was not credited to the Account.  Following are examples of applicable scenarios:

• Cardholder refused delivery of goods or services and has not received a Credit from the Merchant
• Cardholder returned the goods or canceled the services and received a promise of a Credit but a Credit was not applied to the Card Account
• Cardholder received a Transaction Receipt for a Credit, but a corresponding amount was not posted to the Account
• Cardholder canceled a Purchase with a timeshare seller in accordance with the Purchase agreement, but a Credit was not posted to the Account
• Cardholder canceled an advance-deposit Purchase, but a Credit was not posted to the Account

Timing

An Issuer or Issuer Processor may initiate a Chargeback within the following timelines as applicable:

• If a Transaction Retrieval Request (TRR) is submitted, a Chargeback must be initiated between 60 calendar days of the TRR initiation date and 30 calendar days of the close date of such TRR.
• If there is no TRR, the Chargeback must be initiated within 120 calendar days of the Processing date of the Card Transaction.
• The Issuer must wait 15 calendar days from either the date of cancellation by the Cardholder of services or a reservation or the date goods were returned, as applicable, before initiating a Chargeback.

Dependencies

The Issuer must obtain from the Cardholder and provide to PULSE at the time the Chargeback Request is initiated, all of the following information:

• Description of the goods returned or services refused
• Date of return or refusal
• Return method
• Copy of Transaction documentation showing that a Credit is due
• Cancellation number, if applicable
• Credit-confirmation number if the Credit was made in a Card Not Present Transaction
• Any correspondence from the Merchant promising a refund or Credit to the Cardholder

For Disputes where the Cardholder claims to have been charged for reservation of goods or services after the Cardholder canceled the reservation and did not use the goods or services, the Issuer or Issuer Processor must obtain the following information from the Cardholder at the time the Chargeback is initiated:

• Cancellation method
• Date of cancellation
• Name of Merchant agent that processed the cancellation
• A copy of the reservation agreement reflecting the Merchant's cancellation policy

If merchandise was shipped prior to cancellation, the Cardholder must return any merchandise, if received.

Validations

• Is not a PPE transaction in an amount less than $50.