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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.

Updated 17 Oct 2026

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.

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