Can I make a dispute over a transaction if I am not satisfied with the quality of the product/service provided by the merchant?

I made some online purchases with my Citi Cash Back Visa Card but was not satisfied with the delivered goods, how do I raise a dispute regards to payments made through my credit cards for the delivery of unfit goods/services

Confused About Financial Products?

You can chat directly and receive the best offers from the experts.

  • user image

    No Name

    Actually your ability to dispute a transaction due to poor or unsatisfactory product quality will depend on the sales agreement between the cardholder and the merchant. For example, you purchased a pair of sneakers from a physical store and the terms of sale stated a no-return policy which you have sighted, signed and acknowledged. If so, you will have no rights to dispute the transaction. However, if you made an online purchase like you say and the merchandise you received was not as described or it arrived damaged, you can file a dispute as you have a right to do so. In such a case, you should first make efforts to contact and resolve the dispute with the merchant to either get an exchange or a refund upon returning the merchandise. If the merchant refuses, you can then file a dispute with your card-issuing bank. You will however need to provide documentary proof that the wrong or defective product was delivered in order for the bank to initiate a chargeback.

    2019.08.01 3:1

    Please leave your knowledge and opinion!

    Recommending Reviews

    Complimentary Night Stay a Success

    Citi Cash Back Visa Card / Citibank Singapore

    Very impressed by the complimentary night stay I got after I made bookings for a five nights stay at a resort I spent my birthday at in Malaysia. Even more pleasing was the complimentary golf games at a high quality golf courses in Malaysia. As a matter of fact, I had as much as six complementary golf games.

    Earn additional bonus cashback with minimum spending of $888 in the statement month

    Citi Cash Back Visa Card / Citibank Singapore

    Generally speaking, I find this card to be pretty good card as quite a number of the merchants that they partner with for the promotions are those whom I visit frequently to earn a decent cash rebate from my purchases and overall spending. And not until recently did I realize that one can get to earn additional bonus cashback with minimum spending of $888 in the statement month, so therefore with proper planning on all your bigger purchase it can help you gain more cash rebates faster.

    With this card you can get cash back by charging to the card and also get rebates or discounts

    Citi Cash Back Visa Card / Citibank Singapore

    Best card ever! I have been using their Citibank Credit Cards since 8 years ago. They are probably the pioneers of cashback cards in Singapore essentially changing from their Dividend card to Cashback card. I would like to point out that with this card you can get cash back by charging to the card and also get rebates or discounts for Lazada purchases and Petrol station top up too.

    The card charges me interest every month despite me ensuring to pay up the full figure

    Citi Cash Back Visa Card / Citibank Singapore

    This card has not been pleasant for me, as a matter of fact I am having regrets about it. The card charges me interest every month despite me ensuring to pay up the full figure. I am left to assume that maybe these monthly interest were incurred due to lead-time of requesting them to rectify the previous error. Whatever the reasons may be, I just know that I am not happy with this card presently.

    Very bad customer service is making it difficult for me to continue holding this card

    Citi Cash Back Visa Card / Citibank Singapore

    Even as all forms of customer service is done online one would expect that they would make the online customer service seamless however bad customer service is making it difficult for me to commute when problems arises. I even went further to send emails through my account asking them to return my call back, but received none till date save for tons of calls from their marketing department promoting their loans and other services

    I have to say this is not a good system and there are better cashback cards out there

    Citi Cash Back Visa Card / Citibank Singapore

    In respect to the cashback, I was informed that we need to accumulate 50 points before we can redeem it out. This prompted me to be using the card very frequent, but still the percentage of cashback was so low that I only succeeded in reaching 30 points. I have to say this is not a good system and there are better cashback cards out there.

    Related Forums

    How do I notify my landline provider my change of address?

    What are the characteristics of a bond?

    How do I buy and sell my bonds?

    Should I invest on properties in Singapore?

    At what age can you get a landline in Singapore?

    Why did the MOM decide to change the money lending laws for foreigners?

    Related Reviews

    Poor and upleasant hotline

    HSBC Revolution Credit Card / HSBC Bank Singapore

    I am a fresh graduate and just started my first job, I signed up for this card due to the onetime $150 cash back reward for $800 spend within the first two months. However for its main monthly rewards, it is nothing to be pleasant about and the hotline is very bad, I even had to hold more than 20 minutes during non-peak hour.

    Great customer service officers

    American Express Singapore Airlines KrisFlyer Ascend Credit Card / American Express International

    I have had this card for a long while. The good thing with the card is that AMEX have been waiving my annual fees which is probably why I still have the card. The pros with this card include – Great customer service officers that are friendly and will do their best to help you with prompt follow ups, direct credit of miles to your Krisflyer account, many small promos every few months with a fantastic sign up promo, no minimum spending and perfect for concert lovers as AMEX offers priority to provide tickets.

    Fee waivers and No transfe fees

    American Express Singapore Airlines Solitaire PPS Credit Card / American Express International

    The AMEX Express Singapore Airlines Solitaire PPS Credit Card gives a First Year Fee Waiver for you to enjoy and also for your supplementary card members. In addition there are no transfer fees and all the KrisFlyer miles you can earn are directly transferred automatically to your KrisFlyer account with no transfer fee. I would recommend this card for these few reasons which could really make the difference.

    Earnings of 1.3 KrisFlyer miles for every S$1 spent locally

    American Express Singapore Airlines PPS Club Credit Card / American Express International

    This card offers a few thrills if you are one for accumulating miles as you can earn 1.3 KrisFlyer miles for every S$1 equivalent in foreign currency spent overseas on eligible purchases up to S$3,800 each month. On such purchases above S$3,800 each month, you can earn 2 KrisFlyer miles. Furthermore the card allows earnings of 1.3 KrisFlyer miles for every S$1 spent locally in Singapore dollars on eligible purchases up to S$3,800 each month. On such purchases above S$3,800 each month, earnings are 1.4 KrisFlyer miles. Highly recommended for those who seek to accumulate miles.

    Family Package Rewards

    HSBC VISA Platinum Credit Card / HSBC Bank Singapore

    My family had a really fun time with the 10% off Siam Adventure Club Family Package Booking which came with breakfast for 2 adults and up to 2 kids with a Kids room setup in room and full access to kids activities. We even enjoyed daily evening drinks for whole family on selected menu from 5pm to 6pm.

    Earn up to 1% rebate on your purchase

    OCBC Cashflo Credit Card / Oversea-Chinese Banking Corporation

    If you target to spend on major event tickets and high price items with the plan to split by instalment then this card is for you. However I notice that if you have an existing OCBC saving account, it makes bill payments much more seamless. And aside from being able to split payment into monthly instalments interest free, you can earn up to 1% rebate on your purchase. Only few cards in the market that allow auto convert spending into interest free instalment and still be entitled to 0.5% or 1% cash rebate.

    Confused About Financial Products?

    You can chat directly and receive the best offers from the experts.