We work hard to settle disputes as soon as possible, typically within 45 days. The investigation’s length can be impacted by a number of factors, such as the type of transaction, the merchant involved, etc. If we are unable to reach a decision within 10 business days (20 business days for new accounts) you could be eligible for provisional credit, until a final decision can be determined. A provisional credit is a temporary credit that is issued while we complete our investigation.