This site is an independent educational resource. We are not a bank, card issuer, payment processor, financial advisor, or affiliate of any merchant or issuer mentioned. Information about Regulation E (12 CFR 1005), Regulation Z (12 CFR 1026), Regulation II (12 CFR 235), the Electronic Fund Transfer Act, and the Truth in Lending Act is sourced from the Consumer Financial Protection Bureau, the Federal Reserve, and the Federal Trade Commission as of April 2026. Rules change; verify with your card issuer or a licensed advisor before acting. Nothing on this site is personalised legal, tax, or financial advice.

creditcardvsdebitcard.com

Updated April 2026

Chargeback Timeline Calculator in 2026

Are you still in the dispute window? Enter your card type, charge date, and when you noticed the problem. The calculator shows you the key deadlines under Regulation Z (credit, 12 CFR 1026.13) or Regulation E (debit, 12 CFR 1005.6) and whether you have time to file.

Enter your dispute details

Enter your charge date and statement date above to see your dispute timeline.

The regulatory dispute windows explained

Credit Card (Reg Z)

  • 60 days from statement date to submit billing-error notice
  • 30 days for issuer to acknowledge
  • 2 billing cycles / 90 days max for resolution
  • No payment required on disputed amount during investigation
  • Authority: 12 CFR 1026.13(b)(1)

Debit Card (Reg E)

  • 2 business days from learning of loss: $50 max
  • 2-60 days from statement: $500 max
  • After 60 days: unlimited liability
  • 10 business days for bank to investigate
  • Authority: 12 CFR 1005.6(b)

This calculator is for informational purposes. Results depend on your specific statement date and issuer policies. Consult your card's terms and conditions or a licensed advisor for guidance specific to your situation.