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COVID-19 refunds: What to know about credit card chargebacks

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globalnews.ca
globalnews.ca:

With restrictions tied to the novel coronavirus pandemic likely to unravel all kinds of summer plans, consumers are scrambling to recoup money paid for cancelled flights, trips, weddings and children’s camps, to name a few.

Some are resorting to chargebacks, asking their credit card company to reverse payment for services merchants are no longer able to provide.

But how do chargebacks work and when are you actually entitled to demand your money back? There are three main layers of laws and rules surrounding chargebacks, says Omar Ha-Redeye, executive director of the Durham Community Legal Clinic in Oshawa, Ont.

The first is the contract between you and the merchant. The second is your credit card agreement. The third are statutes and

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