One wrong guess about your deadline can cost you the whole dispute. Pick your options below — get your exact filing deadline, days remaining, and a step-by-step action plan.
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We check every ruleVisa, Mastercard, Amex + US federal deadlines
Get your exact dateDeadline, days left & action plan
Your dates never leave this page. General information — not legal advice.
Google "how long do I have to dispute a charge" and you'll get three different answers — 60 days, 120 days, "it depends." All three are true at once. Here's why:
US federal law gives you 60 days from your statement date to dispute a billing error in writing (FCBA for credit cards, Reg E for debit). Miss the writing requirement and you lose this protection.
Visa, Mastercard, Amex and Discover separately allow roughly 120 days from the transaction date to file. For goods never received, the clock starts at the expected delivery date instead.
Your issuer's cardholder agreement can set its own terms inside those windows. The safe move: file before the earliest deadline — which is exactly what the calculator finds for you.
120-day filing window, delivery-based start for non-receipt, 540-day cap. Visa dispute time limit →
120-day filing window with reason-code exceptions, some shorter for fraud. Mastercard time limit →
120-day window and its own dispute process through Amex directly. Amex time limit →
Visa, Mastercard, Amex and Discover generally allow up to 120 days from the transaction date. In the US, federal law separately gives you 60 days from your statement date to dispute in writing. The calculator above finds the earliest deadline that applies to your case.
For most disputes, the transaction date. For goods or services you never received, the window starts at the expected delivery date — capped at 540 days from the original transaction.
File anyway — issuers sometimes accept late disputes at their discretion. In the UK, Section 75 credit-card claims can run up to 6 years from the breach. For large amounts, escalate to your bank's dispute team or the ombudsman.
No. Chargeback Clock provides general information based on published rules. Your cardholder agreement may differ. When in doubt, call your issuer — filing early never hurts.
Completely. The calculator runs entirely in your browser — your dates are never sent to any server, stored, or shared. See our privacy policy.
