Sometimes they’ll include recommendations for other

Liverpool and football fans react to Erling Haaland celebration as Bundesliga returns

Dortmund’s Erling Haaland celebrates after scoring (Image: The Associated Press)Sign up to FREE email alerts from Liverpool Echo Liverpool FCSubscribeWhen you subscribe we will use the information you provide to send you these newsletters. Sometimes they’ll include recommendations for other related newsletters or services we offer. OurPrivacy Noticeexplains more about how we use your data, and your rights. You can unsubscribe at any time.

Thank you for subscribingWe have more newslettersShow meSee ourprivacy noticeFootball is back but not quite as we all know and love it.

The Bundesliga launched its return on Saturday, with the whole world and particularly those in the Premier League watching on.

While the atmosphere took some adjusting to, the sound of the ball hitting the net brought back happy memories of what has been a remarkable season for Liverpool.

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While there are plenty of noticeable differences to the new the most eye catching of all was Erling Haaland celebration after hitting the net for Borussia Dortmund.

The teenage sensational put them one goal ahead in the Reviederby against Schalke, with a well executed finish that showed no signs of any ring rust after a prolonged absence.

However, the celebration that followed was very different with players advised to celebrate alone rather than all together.

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For example, if you receive a computer that is

Learn about Credit Card Dispute with a Merchant

What Is a Credit Card Chargeback?

A credit card chargeback occurs after a cardholder initiates a merchant dispute with their issuing bank, the issuing bank then will charge back the transaction(s) being disputed to the merchant and the cardholder is credited for the disputed transaction(s). Credit card chargebacks are initiated by the issuing bank and can only be processed after an investigation of the disputed transaction(s) occurs. Merchant disputes can take a day or two before a chargeback is initiated or they can take several weeks if extensive research is required.

The main issue with credit card chargebacks is that the issuing bank typically only has two attempts to charge a transaction back to a merchant. There is a first “presentment” or chargeback of the case with details gathered from the cardholder that is sent to the merchant bank, the acquiring bank, for review with the merchant. If the merchant contests the credit card chargeback, they will present documentation validating their side of the dispute. The issuing bank then presents this information to the cardholder giving them one more chance to present a stronger case for their dispute, if available. If a second credit card chargeback is processed and the merchant still contests it then the chargeback process is finished. With only two shots for a cardholder to regain their money back for a disputed transaction, what steps can cardholders take during a transaction to prepare them in the event they find themselves disputing the charge?

Documentation Is the Key

The good and bad news about “covering your assets” in regards to credit card transactions lies with retaining documentation. Whether you make a purchase on line, over the telephone, or in person there are two important details about a transaction you must make yourself acquainted with: the nature of the transaction and the merchant cancellation/return policy.

## ## The first line of defense with any credit card transaction is to know the nature of it. Read the terms and conditions of any purchase made. This is important because some transactions are an introductory or enrollment into a program that will charge your credit card on a recurring basis. It is not always the merchant responsibility to advise of these types of transactions in an upfront manner, sometimes these terms of sale are hidden.

The second line of defense is to be acquainted with the merchant cancellation and return policy. If you purchase a product that is in good working condition however, you then decide you no longer want it and take it back to the store for a refund, you expect to get your money back. This is not always the case. The merchant may very well have a no return policy and with this type of policy they are under no obligation to accept the return and give you a refund. The same goes for canceling a transaction, if the merchant has a no cancel policy, you will still receive the merchandise or service regardless if you no longer want it.

It is prudent for you as the cardholder to retain documentation pertaining to the terms of sale and the merchant cancellation/return policies. This documentation will help you if you have adhered to the merchant terms of sale and policies for a disputed transaction. However, documentation about the terms of sale and merchant cancellation/return policy are not the only document you should keep.

Documentation Needed for Certain Types of Disputes

If you cancel a transaction adhering to the merchant cancellation policy, yet the merchant has failed to issue a credit card chargeback, you will need to retain the following documentation to build a strong case should you initiate a dispute:

Merchant cancellation/return policy at the time of your sale.

Confirmation of your cancellation confirmation code, letter, email from merchant, or receipt showing credit is due.

Proof of your return tracking history, signed delivery confirmation, or merchant written acknowledgement your return was received

You can dispute a transaction the represents delivered merchandise that is damaged or does not adhere to the product written description. For example, if you receive a computer that is supposed to have a 300GB hard drive but the unit you received only has a 150GB hard drive this evidently is not what was ordered. You wish to return it because the unit received is not the unit that was described at the time of your transaction. You should have the following documents on hand if you need to dispute the transaction:

A copy of the invoice with the product description clearly written or product item number and a product description that matches the product item number on the receipt/invoice.

A picture of the product received to show how it is not as described or to show how it was damaged or defective.

In any type of dispute, you as the cardholder must have a signed statement of the details of your dispute before a credit card chargeback can be initiated. You are the one seeking the dispute and a return of your funds; therefore, you must provide a signed statement with the details about the nature of your dispute. Your signed statement along with corroborating documentation are your arsenal that will build a strong dispute case for you so that your issuing bank can process a credit card chargeback. Be aware of what your transaction represents, know the merchant return/cancellation policies, and have documentation to back up your claim. The success of your chargeback depends on it.

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