13.8 – Original Credit Transaction Not Accepted
Why did I receive this dispute?
The cardholder did not accept the credit or local laws prohibit the issuer from allowing original credit transactions (OCTs).
How long can the issuer wait to file a dispute?
The maximum amount of time that can pass between the transaction processing date and the dispute processing date is 120 calendar days.
What compelling evidence is needed to respond?
- If the credit transaction was reversed, provide documentation that proves the reversal.
- If the cardholder no longer wishes to dispute the transaction, provide documentation that proves the issue has been resolved.