Guide · 3 June 2026

Your rights after card fraud: how chargebacks really work

A chargeback is a way to reverse a card payment through your bank or card scheme when something has gone wrong — including fraud. It's a powerful tool, but it comes with strict time limits and evidence requirements.

Strong claims are well-documented claims. Gather the transaction details, any correspondence, and a clear timeline of what happened. Presenting this properly the first time makes a real difference to the outcome.

Deadlines vary by scheme and can be short, so don't wait. If you're unsure whether your payment qualifies or how to present it, a free consultation can help you understand your options before you submit.

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