In the U.S., a cardholder has the right to request a refund from their issuing bank for any transaction or purchase made with their credit card. Usually, the cardholder recovers their money from the merchant directly, in the form of a return or refund. (Note that while a merchant may hold a ‘“no refund” policy, ultimately, if a consumer receives a product that is broken, different than described or generally displeased with the purchase these regulations mandate that a merchant must honor the consumer’s right to a refund.) In the case that the cardholder is unable to receive a refund from the merchant, or the merchant refuses to do so, a cardholder has the ability to contact the bank that issued them their credit or debit card (called the issuing bank) and file a chargeback request to recover the debt. https://www.signifyd.com/resources/fraud-101/chargebacks-a-history/