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Is there a time limit on charges on credit cards

  • 12-02-2015 9:40am
    #1
    chigli
    Registered Users, Registered Users 2 Posts: 27 ✭


    Hi

    I was checking my bank account recently and found a transaction on my credit card for a store that I haven't been into in months. I rang up the bank and they said that it related to a charge made on 21 Oct 2013. I haven't the faintest on what it could have been or even sure that I would have made it and have checked old statements to make sure I wasn't charged twice.

    I am planning on ringing the store today - but just wondering is there any time limit on when a company can make charges to your card?

    Thanks


Comments

  • #2
    ScouseMouse
    Closed Accounts Posts: 5,070 ✭✭✭ScouseMouse


    Not sure about a time limit but if its chip an pin, then, as the pin is only known by you, its down to you to prove you did not do it.


  • #3
    dudara
    Registered Users, Registered Users 2 Posts: 33,518 ✭✭✭✭dudara


    Moved to Banking & Insurance & Pensions

    dudara


  • #4
    Miaireland
    Registered Users, Registered Users 2 Posts: 4,065 ✭✭✭Miaireland


    Might be worth asking the store to forward you on the terms and conditions that you signed when you applied for the card. Have a read over it and see if there is any clause in it regarding your situation.


  • #5
    dobsdave
    Closed Accounts Posts: 1,814 ✭✭✭dobsdave


    Miaireland wrote: »
    Might be worth asking the store to forward you on the terms and conditions that you signed when you applied for the card. Have a read over it and see if there is any clause in it regarding your situation.
    It's not a store card, its a credit card.

    OP, probably the person who you were talking to in the bank could have answered that for you.

    I thought it was 12 months, but I can't remember where I got that from or even if its correct tbh, so no good to you sorry.


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