What to prepare before contacting the bank
Gather proof of payment, order confirmation, evidence of the problem, retailer messages, refund refusal or ignored request, and any delivery or return records.
Write the request clearly
Explain what happened in date order, what you asked the retailer to do, what response you received and what amount you are disputing.
Act promptly
Chargeback time limits can matter, so do not wait unnecessarily. If you are unsure, ask your card provider what deadline applies.
Refund Kit bundle support
Refund Kit gives you card-provider backup wording, evidence checklist and a deadline/contact tracker alongside the retailer complaint draft.
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