How Long Does a Credit Card Refund Take? It Depends On Your Bank

How long does a credit card refund take typically? On average, the credit card refund is going to take 3 to 5 days, or will take a 5 to 7 business day timeframe, depending on what type of bank you have. Personally, I find it to be one of my biggest pet peeves when there are long delays in between my money hitting my account and when it is in limbo in its initial period. And so, in this blog post, I’ll tell you everything you’ll ever need to know How Long Does a Credit Card Refund Take?about credit card refunds.

For the most part, the main reasons why people are going to be requesting credit card refunds include:

Buyer’s remorse

The item is damaged

They no longer need the product

The issue they were filling has been resolved

And a host of other reasons. Be sure to always keep the receipt on hand and to remember which credit card you used when you go to get your refund. I have had so many times where this has completely saved my bacon, and has allowed me a credit card refund after I have thrown away the receipt, just with verification of the card, even after I thought that there was no hope of getting a refund.

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How Long Does a Credit Card Refund Take Typically? About 3 to 5 Business Days

Why does getting a refund on a credit card purchase take so long? Five to seven business days is going to be the typical standard for this, the reason being that it needs to be transferred between banks. Consider that you get a refund on an air conditioner from Walmart, the Walmart bank already has your money, so once they process the refund, it has to get processed at their bank, move an ACH over to your bank, and be processed by your own bank. There are multiple different steps, from multiple different banks, and this is why it takes so long to get a refund.

What Gives You The Best Odds of Giving You a Refund?

Having the actual credit card on hand that you purchased the item with is your best line of defense towards always receiving your refund. The second best strategy is to keep the receipt on hand, although in my opinion this is not as important. Whatever you do, always jump on the refund request as soon as possible, for most companies, if you go past the 30 or 60 day mark, your chances of a refund are slim to none.

Final Thoughts On How Long Does a Credit Card Refund Typically Take?

Hope you enjoyed this quick little blurb on credit card refunds, For more details and information on all things finance, read on or subscribe to our blog for additional details and information.







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