Can I dispute a flight charge with my bank?

You must file this dispute with your card issuer within 60 days after the statement containing the airline charges. It's generally easy to dispute a charge with your bank by logging in to your account online or through the app, if you have it. Make sure you get email confirmation your dispute has been received.



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If an airline flat-out refuses a refund, and you think you're entitled to one under DOT policy, your next best action is to dispute the charge on your credit card and file a complaint with the DOT.

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So the airline has offered you a voucher, which is perfectly legal, but you'd rather just have the cash. You'll need to proactively ask your airline for a cash refund in writing. The same goes for if you've booked through an online travel agency like Expedia. They are also covered under DoT rules.

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You can get a full flight ticket refund only if you booked a refundable ticket. However, airline ticket refund rules vary from airline to airline. Thus, it is better to refer to the airline's website or contact it directly for possible airfare reimbursement.

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Airlines and ticket agents are required to make refunds promptly.

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Each card network and issuing bank sets its own time limits for filing a chargeback, but U.S. law sets a minimum time limit of 60 days. Most banks give cardholders 120 days to dispute a charge.

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Chargeback: If you paid with a debit card, the card issuer isn't legally obliged to refund your holiday but you might be able to make a 'chargeback' claim for services you didn't receive.

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The amount of your flight refund is always the cost of the ticket. The amount of your compensation depends majorly on the travel distance of your flight. In the case of a replacement flight, it also depends on the flight time. It is possible to receive both flight refund and compensation at the same time.

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The 24 Hour Cancellation Rule
Many airlines offer a 24-hour cooling-off period as a customer service policy, allowing you to cancel your flight, incurring no fees if you change your mind or otherwise need to cancel within 24 hours of booking. This policy typically applies to both refundable and non-refundable tickets.

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