Start with the rejection reason
Copy the exact wording from the bank or card provider. Was the issue timing, missing proof, retailer evidence, delivery status, service quality, or a claim that the merchant acted correctly?
Reply to one point at a time
Do not send a long argument that ignores the reason given. Create a short response that explains why the decision may have missed or misunderstood your evidence.
Rebuild the evidence pack
Put payment proof, order confirmation, delivery or return tracking, messages with the retailer, photos/screenshots and the bank response in date order.
Ask what formal route remains
If the provider still disagrees, ask what complaint or escalation process applies. Refund Kit can help prepare wording, but it does not act for you or guarantee any outcome.
Copy-paste starting wording
I am writing about order/reference [REFERENCE]. I paid [AMOUNT] on [DATE]. The issue is: [SHORT FACTUAL SUMMARY]. I have attached the evidence I hold, including [EVIDENCE LIST]. Please confirm by [DATE] how this will be resolved.
Only use wording that is true for your situation. Refund Kit helps turn your own facts into a fuller complaint pack with documents, PDFs, checklists and a tracker.
Common questions
What should I do if my chargeback is declined?
Read the reason first, organise the missing or disputed evidence, and reply directly to the reason given.
Can I challenge a declined chargeback?
Your bank can explain its process. Refund Kit helps you prepare a clearer evidence-led response.
Can Refund Kit contact my bank?
No. Refund Kit prepares draft wording and documents for you to review and use yourself.
Related Refund Kit guides
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