I'm the founder and owner of Chargeback Clock. I designed and built this website — and every tool on it — so that anyone facing a wrong charge can find their real deadline and fight back while there is still time.
When a charge on your card is wrong, the rules that decide whether you get your money back are scattered everywhere: buried in bank fine print, spread across card-network rule manuals, and split between two different legal systems — in the US, the Fair Credit Billing Act for credit cards and Regulation E for debit; in the UK, Section 75 of the Consumer Credit Act. Each one runs its own clock, and nobody tells you which clock applies to you.
So ordinary people guess. They guess wrong, miss the right filing window, and lose money they should have recovered — not because their claim was weak, but because a date passed quietly. I kept seeing the same pattern: the information existed, but it was written for banks and lawyers, not for the person whose money was gone.
I built Chargeback Clock to turn those scattered rules into three simple things anyone can use in minutes: your exact deadline date, the evidence checklist for your situation, and a ready-to-send dispute letter. And I made it free, with no account — because the people who need it most have usually already lost money once. Charging them to find out their rights would defeat the whole purpose.
Running Chargeback Clock means three jobs, every week:
Money advice is only worth anything if it is right, so here is the standard every page on this site is held to: every deadline and rule traces back to a primary source — the card networks' published rules, the CFPB, or the statutes themselves, like the FCBA (15 USC §1666), Regulation E (12 CFR §1005.11) and Section 75. If a rule cannot be verified against a source like that, it is either clearly hedged or left out entirely. I would rather publish less than publish something wrong.
One boundary I will always state plainly: Chargeback Clock provides general information based on published rules. It is not legal advice, and your own cardholder agreement is the final word on your account. See our disclaimer for the full version.
Questions, corrections, or a rule change I should know about? I read every message myself.
Email: chargebackclock@gmail.com — or use the site's contact page.
Your exact dispute deadline is sixty seconds away — free, with no account.
