How far back can a chargeback be requested?

How far back can Visa/Mastercard go for a chargeback?

[Ledfish]

Ok I'm a little miffed. I just received a chargeback notice on a charge that we processed on August 20, 2004, basically 5-1/2 months ago. Of course naturally I'll lose like you do in almost any of these situations, but I thought that there was some kind of limit on how far back they could go in the USA.

Isn't 5-1/2 months a little far back?

[incrediBILL]

I believe a chargeback limitation is 6 months, they just got in under the wire.

[Conard]

Last I checked the time limit is 6 months in the US to issue a charge back.
The CC companies recommend you keep your charge records that far back so that you have some proof.

[Corey Bryant]

It depends on the issuing bank. The average is six months for Visa and MasterCard.

I have had clients call me because American Express has issued chargebacks as 18 months. And I have seen some issuing banks for Visa and MasterCard as little two months.

For the 5 1/2 months, sounds like someone might even have the system down pretty good

-Corey