Every year, cardholders lose legitimate disputes for the most avoidable reason: they misjudge the deadline. Search "how long do I have to dispute a charge" and you'll get three different answers — 60 days, 120 days, "it depends." All three are true at once, because up to three clocks run simultaneously: card-network rules, federal law, and your issuer's own terms.
Chargeback Clock exists to end that confusion. Answer five quick questions and get your exact filing deadline, days remaining, and a step-by-step action plan — in about sixty seconds, free, with no account.
The calculator is built on a published rules engine (versioned and dated — currently rules v1.0.0, October 2026) that encodes:
When several windows apply, the calculator highlights the earliest as your binding deadline — because that's the one that protects you.
Deadline math is done with UTC date-only arithmetic (no timezone or daylight-saving errors), and the logic is covered by an automated test suite covering edge cases: leap years, year boundaries, delivery caps, and every urgency band. The rules table is reviewed whenever card networks or statutes change, and every page carries its update date so you can see how fresh the information is.
That said: this is general information, not legal advice. Card-network rules evolve and your cardholder agreement may set slightly different terms. Always verify critical deadlines with your issuer. See our disclaimer.
The calculator runs entirely in your browser. Your transaction dates are never sent to any server, stored, or shared — there is literally no backend to receive them. We collect no accounts, no emails, no tracking cookies of our own. Read the privacy policy for the full plain-English version.
Chargeback Clock is free and will stay free. The site is supported by unobtrusive advertising — never by selling data, because we don't collect any.
