Guides › Faulty Goods and Refunds › How Long Do I Have to Ask for a Chargeback?
How Long Do I Have to Ask for a Chargeback?
You usually have 120 days from realising there is a problem to ask your bank for a chargeback. Chargeback lets you dispute a card payment in certain circumstances; your bank may not agree to raise it. For credit card purchases over £100, Section 75 may also help.
At a Glance
Your Rights
What the rules say, with a link to the official source for each.
The Short Answer
What Chargeback Is
Chargeback is the process that enables consumers, in certain circumstances, to dispute a card payment through their card provider. source
Section 75
If you paid by credit card, or with regulated buy now pay later, Section 75 can let you claim from the card or credit provider as well as the shop. source
Time Limits to Know
Miss a deadline and you can lose a right. Check the dates on your own paperwork.
- 120 daysChargeback claimWithin 120 days of realising there is a problem
Steps to Take
Step 1 of 4
Contact your bank as soon as you know there is a problem.
Step 2 of 4
Give evidence: receipts, messages, photos.
Step 3 of 4
Ask about Section 75 if you paid by credit card.
Step 4 of 4
Complain to the Ombudsman if refused unfairly.
(Tap the numbers to reveal steps)
Where to Go If It Is Not Put Right
Your options, in order, and when each one applies.
Your Card or Credit Provider
If you paid by credit card or regulated buy now pay later and the shop will not put it right.
Want Help?
If you would like one of our team to look at your problem, our initial case review is free. We cannot guarantee any outcome and we do not give legal advice.
Lead reviewer
Luke Marley
Founder and Lead Reviewer
Luke founded CPUK in 2026 after seeing how hard it is for ordinary people to get problems with companies put right. He oversees our guides and checks them against official sources.
Research by Katie Burt, Co-founder and Operations Lead (17 years in the care sector, including managing services for vulnerable adults), and the CPUK Research Team. Researched with AI-assisted research tools, then checked and corrected by our team.
Last checked: 13 October 2026. We are not paid by the companies we write about. Adverts never affect our guidance. Read our editorial policy.
Sources and official links
- financial-ombudsman.org.uk/businesses/resolving-complaint/complaints-deal/banking-and-payments/disputed-transactions Checked 13 October 2026
- fca.org.uk/consumers/buy-now-pay-later Checked 8 October 2026