Canceling a purchase on the credit card often doesn’t even cross our mind. And then, we have to pay an expense we didn’t need. But what if I tell you that it’s easy to ask for cancellation?
It does not matter if you regret the purchase, if it was not what you expected, if the amount was charged wrong or if you do not even know what it is that appeared on your statement. You have every right to request to cancel a purchase on the credit card! Just get smart with some little rules. So just imagine each of these situations to understand what to do if you are going through one of them:
1. You made the purchase but later regretted
Sometimes we buy on impulse anyway. It’s normal. But when we get home and see the bag, that regret hits. So why not return to the store in this case?
If you bought it over the internet (or even over the phone), the Consumer Protection Code (CDC) gives you every right to regret it – even because over the internet sometimes it doesn’t take much. not the product. So if you ask to cancel, the store has to accept to give you the money back! But be smart: the law says you only have 7 days to ask for cancellation. Try to contact the store as soon as possible, preferably before issuing the invoice , to prevent them from sending you the product. If not, you will also be asked to cancel as soon as the invoice is issued, even if you have not yet received the product. Ah! In this latter situation, it is very important to ask for the protocol number and the voucher that the store is required to provide. Safety never hurts, right?
Once you do that, if you already have the purchase in hand, you need to understand what process to return. Then your money will fall on the credit card itself, as if it were a negative release – either in installments or all at once, whatever the seller chooses.
On the other hand, if you bought in-store , the seller is not required to cancel purchase on the credit card. Then you will have to use and abuse your sympathy and persuasive power. But if the store doesn’t agree, she’s in her right, okay?
Did you know that it is possible to have advantages that go beyond the conventional on your credit card? Cash back is one of them. At Meliuz , for example, the return is 1.8%. That is, with each purchase made, you get a return of 1.8% of the value. The percentage may be even higher depending on the store of purchase.
2. You bought it, but the product was not what you imagined
Do you know when you buy something and then realize it is not all it promised? Or when you realize that you came defective and beat that sadness? Also to cancel such a purchase!
The law says you have up to 30 days to complain about the product direct to the seller if it is a non-durable good (such as clothes, food and cleaning products). But if it is a durable good (a refrigerator, cell phone, car), the deadline is 90 days.
This is where the secret comes from: this time only starts counting from the day you realized the defect!
If the seller does not solve the problem then you can contact the company of your credit card. But you have to have some document or protocol number in hand to prove that you have already made your complaint at the store, okay? The card company will cancel the charge for the product for a while, talk to the seller, and within 45 days have to give you an answer.
3. You bought it but charged you the wrong amount
This is the quietest case! It may happen that an expense appears duplicate on the statement or with the wrong amount. Then, just talk to the store and prove what happened, with the purchase invoice and credit card charge. Usually, the seller cancels what was wrong very quickly. But if not, it is good to contact the card company to take some action.
4. You have no idea what that purchase appeared on the card statement
Just imagine accessing your bank statement and finding an expense that you have no idea what it is. This can happen! Unlike in other situations, in this case, you already have to contact your credit card company directly and it has an obligation to cancel the purchase on time. .
Since you can’t be sure what happened, the company will also cancel your card and send you another one, to give you more security and not let it happen again.
And it’s never too much to reinforce: wrong charges and contracted services without your illegal authorization! So be sure to record this all with Procon or other customer support agencies.
The account that nobody tells you!
Turn and move, the bank sends out a new credit card without us even knowing why. But did you know this is a crime? Any such service has to be hired by the customer first! So, if you go through this, you can report to Procon and even file a claim for moral damages if the bank charges you a fee for using this new card.
Cancel credit card purchase is possible and allowed by law! So you no longer need to be in doubt than to do when the charge is wrong or the product is not the same as the advertisement, right?