After making a purchase, if the cardholder refuses to pay for the goods for some reason (such as failure to receive the goods, black card, stolen card, etc.), the non-payment period is 180 days.

Credit card chargeback means that the cardholder can apply to the bank to reject a transaction on the bill within a certain period of time after payment. Due to the differences between online transactions and face-to-face transactions, such risks cannot be completely avoided no matter which e-commerce platform a seller uses. When buyers pay for online transactions on the AliExpress platform via credit card, they may file a chargeback through the credit card company. Extended information

1. The credit card was stolen by someone else.

2. Normal transaction related: When the transaction has been completed on the credit card. If the goods are not received within the specified range or the goods are inconsistent, the order can be refused. If the goods are returned and no refund is received from the merchant, you can also refuse payment.

3. System or operational risk: The system deducts money multiple times or debits abnormally. Or the amount entered by the merchant does not match the actual amount.

4. Malicious chargeback: All transactions are completed normally. However, the customer unilaterally refused the payment after the bill was generated. After a credit card is fraudulently used, it will take a long time to process the chargeback application. During this period, there is still a risk that the credit card will continue to be fraudulently used. In addition, no matter what the cardholder's reason for credit card refusal is, it will produce relevant records on personal credit and even affect credit, such as reducing the loan limit. Therefore, cardholders need to be cautious when using credit card chargebacks.

Baidu Encyclopedia-Rejection