Can anyone tell me if I will win my chargeback?

No. Your issuer decides your case on the evidence both sides submit, and merchants can fight back with their own documents (representment). Any tool or service that promises a win percentage or a guaranteed outcome is misleading you. What you CAN do is file under the right reason-code family with the right evidence — which is exactly what this checker helps with.

Can filing a chargeback get my account closed?

It can, in specific situations: filing a claim you know is inaccurate (for example, reporting a family member's purchase as stranger fraud, or disputing a charge after accepting a refund for it) is treated as first-party misuse, and issuers can close accounts over it. Honest disputes filed in genuine dispute categories do not normally harm your account.

Should I contact the merchant before filing a chargeback?

In most merchandise and service cases, yes. Visa's consumer-dispute rules generally expect the cardholder to have attempted resolution with the merchant first, and issuers ask about it. One written attempt — email or in-app chat you can screenshot — is usually enough, and it often produces a refund without a dispute. True fraud is the exception: go straight to your issuer.

Free tool

Do I Have a Case? Chargeback Case Checker

Filing a weak chargeback wastes your one shot — and filing a dishonest one can cost you your account. Answer a few questions first. You get an honest verdict band, the reason-code family your situation belongs to, and the three evidence points that will decide it. No percentages. No promises.

Step 1 of 4

First: whose charge is this?

Someone else used my cardI don’t recognize it and nobody I know made it I made the purchase myselfBut something went wrong with it A family / household member made itA partner, child, or someone with access to my card or device

What went wrong?

It never arrivedGoods never delivered, or the service was never provided It arrived — but wrong, damaged, defective, or fakeMaterially different from what was sold to me I cancelled a subscription — they kept chargingMembership, streaming, app, or any recurring billing I cancelled the order in time — charged anywayCancelled inside the merchant’s own policy window They promised a refund that never arrivedOr I returned the item and the credit never posted Wrong amount, or charged twiceThe statement doesn’t match what I agreed to pay Honestly — I just changed my mindThe item is fine. I don’t want it anymore

Did you actually cancel before the charge?

Yes — and I have proofA confirmation email or screenshot with the date Yes — but I kept no proofI cancelled, but there’s no confirmation I can show Not reallyI stopped using it / deleted the app, but never cancelled

Did you keep using it after the problem?

NoI stopped using it once I knew there was a problem Yes, I kept using itHonesty check — merchants can see usage and will use it

Have you tried the merchant or seller first?

YesI contacted them and they refused, stalled, or never replied Not yetI came here first

Last two: how you paid, and when

Credit cardThe strongest dispute position Debit cardRegulation E rules apply in the US PayPal / wallet / otherDifferent routes — we’ll flag them

Less than 60 days agoInside every common window 60–120 days agoTime to move, not to wait More than 120 days agoSome windows may already be closed

Why this checker never gives you a percentage

Search for "will I win my chargeback" and you will find tools implying a probability. That number cannot exist honestly: your issuer decides your case on the evidence in front of it, the merchant gets to respond, and outcomes vary by issuer, network, and paperwork quality. What can be assessed — and what this checker does — is the structure of your case: whether it fits a recognized dispute category, whether the proof that category requires exists, and whether you are inside the clocks.

The three verdict bands

Strong case — your situation fits a recognized reason-code family, the deciding evidence is the kind you can actually produce, and you are inside the deadlines. File now; delay is the only remaining risk. Mixed case — the underlying problem is real, but something material is missing: no merchant contact yet, no cancellation proof, continued use after the problem, or a clock that is running out. The verdict names the gap so you can close it before filing. Weak case — the situation has no valid dispute family (buyer's remorse), the facts contradict the claim (a "cancelled" subscription that was never cancelled), or the charge was made by your own household. Filing anyway is how accounts get flagged and closed — the verdict gives you the route that actually works instead.

What banks actually weigh

Issuers and networks decide on category + evidence + timing. Category comes from the published reason codes — Visa's Dispute Categories 10 (fraud), 12 (processing errors) and 13 (consumer disputes); Mastercard's 48xx family; Amex's lettered codes. Evidence is weighed against what the merchant can produce: delivery scans beat "it never came", a dated cancellation confirmation beats "I meant to cancel", and a merchant's written refund promise beats everything. Timing is brutal and simple: outside the network window (typically ~120 days) or the legal statement window (60 days under US FCBA/Reg E rules), even a true story usually cannot be filed. The companion guides go deeper: what makes a chargeback case strong or weak, matching your situation to the right reason code, and when NOT to file a chargeback.

General information only — not legal advice. This checker gives a general read of your situation against published network reason-code families and US consumer rules (FCBA, Regulation E). It does not predict your issuer's decision. Your cardholder agreement and issuer policies control your specific case.