BIZREFUND guide
How to write a card dispute in plain facts
A card dispute is read by someone who was not there. They decide from what you write and what you attach. Short, dated facts that match your proof are easier to follow than a long account of how frustrating it was.
Try the seller first, and keep the record
Most card issuers expect you to contact the seller before you dispute. Send a short message, ask for a fix by a stated date, and save the reply, or note that none came. That record often becomes the core of the dispute.
Put the facts in order
- What you bought, from whom, on what date, and the amount on your statement.
- What you expected, in the seller's own words if you have them: the listing, the order email or the terms.
- What actually happened, with dates.
- What you did to fix it with the seller, and what they said.
- What you are asking the card issuer to do.
Keep it short
Five to eight short lines with dates usually say enough. Example only: 'On 2 March I ordered a desk, order 4471, for 180.00. It arrived on 9 March with a cracked top. Photo attached. On 10 March I asked the seller for a replacement. On 17 March they declined. I am asking for a refund of 180.00.'
Attach what proves each line
Order confirmation, delivery record, photos, your messages to the seller, and the seller's terms if they matter. Name each file so it matches the line it supports, for example '3 seller reply 17 March'.
Leave out what you cannot show
Do not guess at the seller's motives and do not add threats. Words like fraud have a specific meaning to a bank. If you did not make the charge at all, say that plainly and ask the issuer about its process for unauthorised charges, which is usually a separate route.
Watch the clock
Card networks and issuers set time limits for disputes, and they differ. Ask your issuer which limit applies and which date it counts from. Once you know the rule, the free calculator can count the days.
Common questions
Should I call or write?
Many issuers let you start by phone or in their app. Either way, keep a written copy of your facts and note the date, the name of anyone you spoke to and any reference number.
Will the dispute be decided in my favour?
Nobody can promise that. The issuer reviews the facts and the seller can respond. Clear, dated facts with proof make the review easier to follow.
Is this legal advice?
No. It is general information about organising facts. For a large amount or a complicated case, a consumer agency or a licensed attorney where you live can explain your rights.