How To Get Money Back On Credit Card If Scammed – Know the Methods Country Wise

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Scammed: How To Get Money Back On Credit Card If Scammed! >> The write-up shares details of the online credit card frauds and how to get a refund for the fraud transactions.      

What if you have not received the product after making payment or you received a defective item? Please don’t panic, as there are options available to file a dispute with the credit card issuer and get the full refund. 

Worldwide, fraudsters and scammers are getting more sophisticated these days, making online credit card fraud hard to spot. They design fake sites that resemble genuine websites and easily trick people and steal their money and personal information.

If you are also a victim of such an online credit card scam, please don’t feel embarrassed, as you have the option to report it and get a full refund. Here is the guide on How To Get Money Back On Credit Card If Scammed.

How Fraudsters take Payment?

It is the essential question that Worldwide credit card users have in their minds. People want to know how fraudsters take their money. This question’s answer helps determine whom users have to contact to request a refund for credit card fraud. 

In many cases, users have to contact the seller first. If you didn’t get any response from the seller, there are other avenues to explore. We will explore the routes to get a refund during credit card fraud since we discuss credit card fraud. 

Before moving ahead, many people may desire to know Does Credit Card Refund Money If Scammed? Yes, credit card companies refund the money if scammed when you choose the proper method.

What Can Victims do to Request Refund?

Many credit card users usually request a chargeback for all the credit card transaction scams. However, there are specific limits set by the credit card issuers, and if the amount is below the set limit, users can initiate a chargeback. 

If the online purchase is more than the set limit, the victim must ensure that they are covered by Section 75 of the Consumer Credit Act of the United Kingdom. It indicates victims can apply for a dispute with the seller and the credit card issuer to request a refund. 

However, there is no guarantee, Does Credit Card Refund Money If Scammedas it depends on certain situations and the lender’s description.       

Which Credit Card Transactions are Eligible for Refund?

Before you move ahead, it is essential to learn which credit card transaction scams are eligible for a refund. If your online credit card transactions fall under the below-mentioned categories, you are eligible to raise a dispute and get a full refund. 

  • If the credit card is charged multiple times for the same transaction, you may get a refund for the extra charges.
  • If you are charged for online transactions which you have not done or incorrect transactions
  • If the product you purchase with a credit card arrived damaged or defective
  • If you return the product as per the seller’s return policy and didn’t receive the refund for the returned product

How To Get Money Back On Credit Card If Scammed: Country-Wise Processes


Reserve Bank of India has set guidelines for credit card frauds and refunds. Victims of online credit card fraud in India can report the card issuer’s transaction and get a refund quickly.

  • Inform the Issuer – It is essential to inform the issuer about the fraud in three business days after receiving communication. The issuer will put all efforts into refunding the total loss.
  • Contact the Merchant – You may also contact the merchant of your credit card for a refund. If you are scammed, it may not prove to be helpful. So, How To Get Money Back On Credit Card If Scammed
  • Disputing a Transition – You may raise a dispute for the fraud transactions with the card issuer and ask for a refund. 
  • File FIR – Some banks and card issuers may ask you to provide FIR of the fraud transaction to initiate a chargeback.

The United States

  • You are required to approach the merchant of credit card for a refund.
  • If you don’t respond from the merchant, initiate a chargeback with the credit card issuer.
  • You must have proof of scam to initiate a chargeback and get the refund.
  • After submitting the chargeback request, you have to wait until the transaction is settled. It may take a few days or months to get the refund. 

This is How To Get Money Back On Credit Card If Scammed in the United States.         


  • Raise a dispute for the fraud credit card transactions. If you are scammed, the merchant may not respond in such a case.
  • Approach the credit card issuer and file a complaint.
  • You need to have a proof for the scam to file a complaint. 
  • Contact the bank for the dispute and raise a complaint.
  • As your request is authorized, you have to wait for a response and get a refund. 


If you are scammed in Australia, you may follow the below guide on How To Get Money Back On Credit Card If Scammed in Australia. 

  • Approaching the merchant is the first step. But it won’t be helpful if you are scammed.
  • You may initiate a chargeback if you are scammed online. Contact your credit card issuer to file a chargeback.
  • You must file a chargeback for the online scams within 45-120 days of transactions. 
  • Victims can also file a dispute against the credit card issuer if they are being rejected.

The United Kingdom

Approaching the merchant for online fraud is not fruitful in the United Kingdom. You have to take other measures. Here is the guide on How To Get Money Back On Credit Card If Scammed.  

In the United Kingdom, there are specific laws to protect the victims of online fraud. Under the Consumer Credit Act, Section 75, the credit card issuers are equally liable. Hence, they must provide a refund if the consumer has not received items after payment or the payment is made due to a security breach. 

Some laws protect the consumers in the UK when any online scam occurs. 


Online credit card frauds are becoming an alarming situation for consumers. Gone are the days when you need to sit back and wait for the credit card issuers’ empathy for a refund after online fraud.

Now victims can quickly raise a dispute and get a full refund with the above guide on How To Get Money Back On Credit Card If Scammed.

Have you ever victimized by online credit card frauds? Please share your experience in the comments section.

Also Read : – How To Get Money Back From Paypal If Scammed – Know More Here!

6 Comments on “How To Get Money Back On Credit Card If Scammed – Know the Methods Country Wise”

  1. Hello,and how to get my money back,I did order from that shop,and that is scam((((no any info about order and no answer to my e mail((((

    1. Hello HERMINE! We appreciate that you have expressed and shared your concern here. It is suggested to go through the blog if you have paid through a credit card and follow the steps as per your country else; if you have used another payment mode, then you may report accordingly. Thanks & Regards

    1. Hello Brittney! Thank you for sharing and expressing your review and remark here. You may follow the procedures for refund as per your mode of payment and country. Stay Safe! Thanks & Regards

  2. Hi there, I attempted to purchase a jacket from NF wear – they claim it has been depatched (09 Dec 21), and despite multiple emails to them no response. Can you offer any advice please?

    1. Hello Andy Lyes! Thank you for updating your concern here. You may apply for the refund option. It is advisable to go through the above blog and follow the procedure if you have paid through a credit card; else, you may follow the process as per your mode of payment and country. Thanks & Regards

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