Temu gives you 90 days. Vinted gives you 2. Every marketplace runs its own dispute system with its own clock — and your card chargeback clock runs separately, underneath all of them. Pick your platform and your problem: you get the platform's own ladder first, the evidence that wins, and the exact point where escalating to your bank is the right move.
Every marketplace purchase sits under two separate protection systems. The first is the platform's own: Temu's Purchase Protection, Etsy's case system, AliExpress's escrow disputes, Depop's Resolution Centre, Vinted's Buyer Protection. These are fast, free, and built for exactly your problem — but each has its own window, and the spread is enormous: Vinted gives you 2 calendar days from the delivery notice (its own Terms & Conditions), Depop 30 days from the transaction for a not-as-described issue (Depop Help Centre), Etsy requires a seller message and 48 hours before a case can open (Etsy Help), Shein's US returns run 30 days from delivery (SHEIN USA Return Policy), AliExpress disputes stay open until 15 days after the order completes (Buyer Protection terms), and Temu allows support requests up to 90 days after purchase (Temu Purchase Protection). All windows on this page were verified against the platforms' own published pages on October 21, 2026.
The second system is your card network's chargeback process, running on its own clock — typically ~120 days from the transaction for Visa and Mastercard — and the platform process does not pause it. The classic marketplace disaster is spending 100 days politely working a platform case, winning nothing, and discovering the card window closed at day 120 with no time to prepare a filing. The rule this navigator is built on: platform first, bank when the platform fails, stalls, or starts eating your card clock. The companion guides go platform by platform: every marketplace dispute window compared, Temu refused your refund — the chargeback path, and AliExpress dispute vs chargeback: which first.
None of the six platforms publishes a "banned account" refund policy — so this tool will not invent one. What is true and useful: refunds already in flight are tied to transactions, not logins; platform support can be reached without an active buying account in most cases; and your card chargeback route for specific undelivered or misdescribed orders does not depend on your account standing at all, because your issuer deals with the charge. Wallet balances and store credit, however, can only come back through the platform itself.
