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Dispute a charge on your card with a clear timeline
A charge is wrong or a refund never arrived. Get a timeline of facts and a message to your card issuer.
The prompt · ChatGPT
Help me dispute a charge on my card. The charge: [amount, date, merchant name as it appears] Why it's wrong: [unauthorised, never arrived, faulty, refund promised] What I've tried with the merchant: [dates and replies] Card type: [debit / credit] Evidence I have: [emails, tracking, screenshots] Ask me up to 3 short questions first if anything important is missing. Wait for my answers. Then: 1. A clear timeline of facts. 2. A short message or call script for my card issuer. 3. Evidence checklist. 4. In plain words, when credit card Section 75 or chargeback-style routes might be relevant, marked for me to check with the issuer or Citizens Advice. 5. What to do while I wait. Don't invent legal outcomes. Only use what I've told you, leave blanks for anything I haven't given, and don't invent facts, figures or products. UK English. Stay in this ChatGPT chat. Do not turn on apps or connectors, and do not use memory from another chat.
A short example
Fill the blanks, then paste. amount, date, merchant name as it appears: a short note you already have. unauthorised, never arrived, faulty, refund promised: a short note you already have. Leave the rest of the prompt as written.
This does not give tax advice. The books stay in the accounting system.
The prompt · Copilot
Help me dispute a charge on my card. The charge: [amount, date, merchant name as it appears] Why it's wrong: [unauthorised, never arrived, faulty, refund promised] What I've tried with the merchant: [dates and replies] Card type: [debit / credit] Evidence I have: [emails, tracking, screenshots] Ask me up to 3 short questions first if anything important is missing. Wait for my answers. Then: 1. A clear timeline of facts. 2. A short message or call script for my card issuer. 3. Evidence checklist. 4. In plain words, when credit card Section 75 or chargeback-style routes might be relevant, marked for me to check with the issuer or Citizens Advice. 5. What to do while I wait. Don't invent legal outcomes. Only use what I've told you, leave blanks for anything I haven't given, and don't invent facts, figures or products. UK English. Stay in this Copilot chat. Leave plugins off, and do not open a file from OneDrive.
A short example
Fill the blanks, then paste. amount, date, merchant name as it appears: a short note you already have. unauthorised, never arrived, faulty, refund promised: a short note you already have. Leave the rest of the prompt as written.
You list the charge, dates and what you've already tried.
The assistant asks for reference numbers and what the shop said.
You get a timeline, a dispute message and a checklist of evidence.
What happens
Use Copilot to dispute a charge on your card with a clear timeline
A charge is wrong or a refund never arrived. Get a timeline of facts and a message to your card issuer.
Tools
Paste the prompt, fill the blanks, copy the draft.
- Microsoft Copilot — required. Drafts from the text you paste. Nothing is sent.
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