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Credit card chargeback: is it the same as a legal refund right?

Jez Smith4 October 2026

No. A chargeback is a card-scheme or payment-provider dispute process, while a legal refund right comes from contract or consumer law. The processes can overlap, but they have different rules and deadlines. Keep receipts, order details, refund requests, delivery evidence and bank statements before contacting the card issuer. Guide: https://getinstantlaw.com/chargebacks-payment-disputes

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