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If you’re overcharged for a transaction, or you didn’t get what you paid for, you can request a refund to your credit card. In some circumstances, you might also need to contact your credit card provider to get a refund.
Here, we take a look at the type and timeline for credit card refunds, how they work, and other factors to consider, so you can take the right steps to get your money back.
A credit card refund usually takes a few days to process, so don’t worry if you don’t see it on your account statement immediately. If you receive a bill during this period, pay the balance anyway. Doing this prevents you from accruing interest and results in a credit to your account. If you are worried that the refund isn’t being processed, you can call the bank.
If you need to request a refund on your credit card, you should contact your card issuer as quickly as possible. You can find the contact details for most of the major banks and card providers in New Zealand below:
| LENDER | TELEPHONE |
|---|---|
| American Express | Varies per card. Click here for contact information. |
| ANZ | 0800 658 044 Mon-Fri: 8am-8:30pm Sat-Sun: 9am-5pm |
| ASB | 0800 100 600 Mon-Fri: 8am-8pm Sat: 8:30am-5pm |
| BNZ | 0800 275 269 Mon-Fri: 8am-8pm Sat: 9am-6pm |
| The Co-operative Bank | 0800 554 554 Mon-Fri: 8am-8pm Sat-Sun: 9am-5pm |
| Farmers | 0800 990 077 Mon-Wed: 8:30am-6pm Thu-Fri: 8:30am-9pm Sat-Sun: 9am-6pm |
| Flight Centre | 0800 500 450 Mon-Wed: 8:30am-6pm Thu-Fri: 8:30am-9pm Sat-Sun: 9am-6pm |
| Gem | 0800 500 505 Mon-Fri: 10:30am-6:30pm |
| Kiwibank | 0800 521 521 Mon-Thu: 7am-9pm Fri: 7am-8pm Sat-Sun: 8am-4:30pm |
| Q | 0800 119 100 Mon-Wed: 8:30am-6:00pm Thu-Fri: 8:30am-9pm Sat-Sun: 9am-6pm |
| TSB | 0800 872 226 Mon-Fri: 8am-7pm Sat-Sun: 9am-5pm |
| Warehouse Money | 0800 801 808 Mon-Fri: 8:30am-7pm Sat-Sun: 9am-5pm |
| Westpac | 0800 888 111 Mon-Fri: 7am-8pm Sat-Sun: 8am-5pm |
There are two main ways to get a credit card refund, which we’ve outlined in detail below:
There are many instances when you can get a credit card refund, either through the business or your credit card provider, depending on the circumstances. Some of the most common scenarios include:
There are some situations where you aren’t eligible for a credit card refund. These include:
You might also be unable to get a credit card refund if the charge is “pre-authorised” and meets the standard practices of a merchant (i.e. a hotel or airline that “holds” funds for a set period of time in case of incidental charges). In this instance, you can contact the merchant to request a release of the funds rather than an actual refund.
The credit card refund process can vary depending on the merchant and your circumstances but typically follows the steps below.
Getting a credit card refund from a merchant is relatively straightforward, which is why it’s usually the first port of call. The chargeback process may involve a little effort:
Whether you need a credit card refund for non-delivery, incorrect charges or simply a change of mind on your purchases, the quickest and easiest option is to contact the merchant directly. If that doesn’t work, you can dispute the transaction through your credit card provider to get a chargeback. By understanding more about these two options, you can pursue the right kind of credit card refund in any situation.
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