Chargeback Clock provides general information only. It is not legal advice, financial advice, or professional advice of any kind.
Deadlines shown by the calculator are computed from published card-network rules (Visa, Mastercard, American Express, Discover) and US federal statutes (Fair Credit Billing Act, Electronic Fund Transfer Act / Reg E) as understood at the time of our last rules review. They are planning guides, not definitive legal determinations.
Your cardholder agreement, your issuer's internal policies, and the law of your jurisdiction may set different or additional deadlines — sometimes stricter than the published network rules. Reason-code assignments, which affect some windows, are made by your issuer, not by this tool.
For any deadline that matters to you — especially large amounts or time-sensitive fraud cases — confirm the deadline directly with your card issuer and, where appropriate, a qualified legal professional. Filing early is always safer than relying on any single source, including this one.
Using this Site does not create an attorney–client, advisor–client, or any other professional relationship between you and Chargeback Clock or its operators.
Our UK guides describe Section 75 of the Consumer Credit Act 1974 in general terms. Whether Section 75 applies to your purchase depends on the specific facts; limitation periods also differ between UK nations. Consider professional advice for significant claims.
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