All-in-one card pioneer Plastc ceased operations in April and won’t ever deliver the cards which many of us have already paid for. Many people tried tried disputing the charge with their credit card with mixed results.
Typically, you can only dispute a charge for 120 days from transaction. However, Magnifyingmoney points out that according to Visa’s terms (pdf page 615) there are special rules for disputing orders which were not intended to deliver immediately:
- Can’t be more than 120 calendar days from the last date the cardholder expected to receive merchandise or services
- Can’t be more than 120 calendar days from the date the cardholder was first made aware that the merchandise or services would not be provided
- Can’t be more than 540 day from the date of charge
Mastercard has similar terms as well (pdf page 56) as Visa. On the other hand, Amex and Discover don’t clearly offer that amount of time. One reader was told my Amex that you can’t go more than 11 months back; others were told 12 months.
In our case, it’s less than 120 days from the last date the merchandise was stated to arrive and from when we were first made aware it wouldn’t be provided. Assuming you ordered after November 21, 2015, you’re still within 540 days and can file a dispute. Many people ordered earlier than that date and won’t be eligible.
(Someone even has an audio of their customer service call with Chase confirming that they’ll be able to file a dispute if the item doesn’t come through.)
Final Word
The bottom line is that if you used a Visa or Mastercard you should be able to dispute it, provided you ordered within the past 540 days. If you are getting turned down by the card issuer, try pointing out the Visa/Mastercard terms with a source and a quote and see what they say. Discover and Amex users can try filing a chargeback as well, but they might be shot down.
Another hurdle might be convincing the bank that you are within 120 days of the expected delivery date since initially it was projected to be delivered in April 2016 (does it show that in the initial Order Confirmation?). In any case, you should be able to show the follow-up email when they pushed off the expected delivery date.
