How can I seek a credit card chargeback?

You can ask your bank (or financial institution who issued you with your card) to reverse the payment if you have paid for your travel with a credit card or by selecting ‘credit’ on a MasterCard or Visa debit card (which uses your own money but protects you from loss in the same way a credit card transaction would) and the business:

  • Does not deliver the services as requested
  • Does something you did not agree to, such as charging you for something you did not purchase.

You cannot seek a chargeback when using ‘cheque’ or ‘savings’ as the account type on a debit or EFTPOS card, or when paying with cash, cheque, money transfer, directs debit or BPAY.

You should not request a chargeback if you are eligible to lodge an insurance claim or have already been compensated. Chargebacks come with terms and conditions, so be sure to ask your bank or financial institution.

If you believe your credit card provider has incorrectly refused a chargeback request, you can dispute this decision or complain to the Financial Ombudsman Service.

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