Plain-English guides to every chargeback deadline: the rules, what to do when you're late, UK claims, and bank-by-bank filing help. Last updated: October 2026.
The 60-day federal rule vs the 120-day network rule — which one applies to you, and how to satisfy both.
What the FCBA's 60-day written-notice rule really is, when it starts, and why it's usually your binding deadline.
The real lookback limits: 120 days, the 540-day delivery cap, and the UK 6-year exception.
Usually yes — 90 days is inside the network window. But watch the 60-day federal catch, and file now.
Usually past the network window — but the delivery-date rule, Section 75, and late reviews can still save you.
Your options when the federal window has closed but the network window may still be open.
Why the clock is harsher for debit — Reg E, stricter handling, and how to protect yourself.
Up to 6 years on credit purchases of £100–£30,000 — the full guide to Section 75 claims.
The two UK routes compared side by side: 120 days vs 6 years, and which one fits your situation.
Chase follows network rules (~120 days) plus the federal window — and how to file in the Chase app.
Deadlines at Capital One and the fastest online filing flow, step by step.
BofA deadlines explained, how to file, and debit-card specifics.
What to know before filing with Wells Fargo — including why fraud needs extra speed.
Citi deadlines, which network rules apply, and the evidence that actually helps.
The evidence that actually works — receipts, delivery proof, and communication logs — and what issuers look for.
The full timeline: provisional credit, investigation, representment — usually 30 to 90 days.
Visa 10.4, 13.x, Mastercard 4837 and friends — what reason codes mean and why they set your rules.
The dispute itself doesn't — but an unpaid balance during it can. How to protect your score.
Your options after a denial — reopening with new evidence, CFPB, the UK Ombudsman, and small claims.
Every guide ends at the same question: what's your deadline? Get it computed in under a minute.
