Timeframes for chargebacks aren't actually relevant. Generally if a consumer is making a chargeback its usually because of a violation of the Consumer Act on the part of a retailer and if the consumer is entitled to a refund under those terms of the Consumer Act (the goods become faulty etc) then the chargeback MUST be accepted OR that would constitute a violation of the Consumer Act ie unlawfully denying a refund.

This is also the case for making claims under the purview of a statutory warranty whereby a consumer is entitled to a refund WITHOUT LIMITATION upon timeframe so long as its reasonable. For the retailer its basically impossible to verify that a consumer's claim ISN'T reasonable and therefore the chargeback would need to be paid. This is why retailers must ensure the products they are selling are good quality and must be taught a lesson to stop ripping consumers off.

Use chargebacks where-ever needed and if it is denied - complain over and over again until the card issuer becomes sick of your complaining and gives in anyway. It takes a lot of time and effort to investigate a chargeback - so use that to your advantage.

Consumer rights MUST be protected and stamp out the practice of selling poor quality / not fit for purpose products that seems to have become the norm.

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I used my ANZ Visa credit card to buy seats on a flight from Bonza airline which were not honored because Bonza went bankrupt before the date of the flight. After submitting a proof of debt form to the liquidator, I lodged a chargeback form with ANZ Visa card company. After a couple of verifications and two weeks later, the amount lost was credited back to my credit card...no problems. So, thank you to ANZ Visa credit card.

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