Getting your money back with a chargeback

What is a chargeback?

A chargeback is a request to your card issuer to reverse a card payment. The issuer asks the rental company for its side and decides. It is a procedure of the card schemes, not a law, so rules and deadlines differ per issuer and card.

When does it make sense?

• The company charged your card for damage you dispute.
• You objected in writing and got no answer, a refusal or no evidence.
• You can show your side: contract, forms, photos, your objection.

Step by step

1. Object in writing to the rental company first and keep a copy.
2. Look up the chargeback or dispute form of your bank or card issuer, usually in the app or on its website.
3. Note the deadline. It often counts from the transaction date.
4. Fill in the form: date, amount, merchant, and why you dispute the charge.
5. Attach your evidence: objection letter, contract, pick-up and return forms, photos.
6. Keep track of the answer and reply on time if the bank asks for more.

What to attach

• Card statement with the charge
• Your written objection and any answer
• Rental contract and terms
• Pick-up and return forms
• Your photos and video with date

Debit card?

Some debit cards have a similar dispute process, but protection differs per bank. Ask your bank.

Can a rental company charge damage to your credit card after you return the car?