Clipping of news on Brazilian Culture, Law and Citizenship
18/02/2014
This article was translated by an automatic translation system, and was therefore not reviewed by people.
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The use of credit cards is something increasingly commonplace in our everyday lives . But the growing number of transactions also increases the possibility of undue invoices in releases , as well as the need to return values due to the cancellation of purchases. Therefore, there is a reversal.
What is
The reversal is an electronic procedure used by banks and card issuers to cancel launch of invoice values . It is the restoration of particular value to the total credit limit available to the consumer . May be due to withdrawal , cancellation or error on the purchase amount, or even unrecognized or unauthorized debit . Contrary to what many think , it is not cash refund , but only credit .
how to order
If cancellation or abandonment occurs on the same day of purchase , check with the merchant himself / property , the possibility of reversal. Request protocol , voucher, or writing that the cancelation was made or requested by the property declaration. If negative , or inability to perform the procedure , look for the administrator of your credit card .
your rights
According to Decree 6523 / 08 , " when demand for service traverse unsolicited or fraudulent charge , the charge will be immediately suspended , unless the supplier indicate the means by which the service was contracted and check that the value is effectively due . " ( Article 17 , paragraph 3 ) .
The solution must be given within five working days and the credit should be made available in the following invoices .
Recalling that the claim ( chargeback ) occurs when the consumer makes the payment of improper value.
In the case of not recognizing some release upon receipt of invoice before making payment , the consumer should contact the administrator and found the error , demanding the cancellation of the charge.
Source : Procon SP
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This article was translated by an automatic translation system, and was therefore not reviewed by people.