Many people enjoy using their credit cards to make purchases on the internet since it’s a payment method they’ve grown up with their whole lives, however, the world is changing and some are starting to expand their horizons when it comes to their favorite pastime. We’re obviously referring to those “daring” players who now gamble online with Bitcoin or other cryptocurrencies like LiteCoin and DASH, which have all shaken the global monetary system to its core – there’s just no need to rely on traditional cards anymore.
That said, there are many players across America who refuse to join the digital revolution and are clutching onto their plastic for dear life, so as long as they’re asking us questions about them, we’re always going to be here to answer them. Today it’s time to address a common query we receive from readers: how do I dispute credit card charges at a betting website?
First of all, you have to be honest with why you want to do this because if the operator didn’t do anything wrong and you’re just looking to get back the money you lost playing there, this is technically “fraud”. You knew that you were depositing funds for the purpose of gambling, it was you who made the transaction, and it was you who made the decision to keep going until you lost it all – it should be clear to you that the website is not responsible for your actions.
That said, there are certain times when it can be ok to “chargeback” the purchase you made with a VISA or MasterCard, but certain criteria always needs to be met. If the operator was misleading or deceptive to get you to play with them, then of course you should do everything in your power to reverse the charges. This includes dishonest tactics such as lying about the amount of bonus money you will receive, not having all of the terms and conditions clearly stated in the welcome offer, or any other type of shady practices that were unjust.
This is why iGaming watchdogs like us are so important – we alert you to scams and only recommend the best in the business. For example, earlier in the week we told you which trusted U.S. online casinos are still accepting American Express as a deposit method in 2019 and needless to say, there weren’t too many of them (four to be exact). This just goes to show how the industry’s focus has shifted to cryptocurrency due to its speed, ease, and privacy, and it highlights the fact there are only a few safe places to go these days.
How to Dispute Credit Card Charges at a U.S. Online Casino
So if you do in fact have a legitimate beef, here’s how to dispute credit card charges at a betting website that accepts players from the USA and the necessary steps to go through to get the funds back. Grab a pencil because it’s going to be a lot of work and you’re not going to know the final outcome for at least a month or so.
Many players aren’t aware of this at the time, but the processing names for iGaming transactions for United States customers usually appear on their statements as something generic like “Franco’s Pizzeria” or “Mrs. Chang’s Bridal Accessories”, in order to cloak them and protect them from being flagged. Using a descriptor is not illegal whatsoever, although they are obviously trying to keep the real reason for the transaction a secret, which is why the card company doesn’t flag anything when making the purchase.
By law most creditors give you up to 30 or sometimes 60 days to dispute a charge since customers must be given enough time to feasibly check statements and identify an error. Now assuming that you have a legitimate compliant with the site in question, in order to get them to chargeback the VISA casino deposits you will have to call into their security department and tell them that it wasn’t you who made the transactions and your information was somehow compromised and you need a new card. You will have to deny any and all knowledge of what went on and say you have no idea what the charges were for and that you did not authorize them.
If you admit to them that they were for gambling they will usually place tons of restrictions on the account and you’ll have to phone into them to approve each and every purchase going forward. They could also just close your account and tell you they don’t want your business anymore since what you did is against their terms and conditions (and you can kiss any loyalty points that you accumulated up to that point goodbye).
What Happens When You Chargeback Gambling Deposits
It’s important to remember that the UIGEA made it illegal for companies to process funds to online casinos but it did not make it illegal for U.S. residents to play at them. Therefore, in extreme situations they could escalate the matter to involve your local police, so you’d better be ready for that possibility if you choose to proceed.
Also, you might want to proactively change your cell phone number because if the operator feels that they’re in the right, they’ll simply sell the debt to a collection agency who will then stop at nothing to recover the balance owed. We’ve heard from a few readers that these debt collectors are relentless and can even call other people in your family to try to reach you, if they can find their phone numbers. The whole thing gets really ugly very quickly.
Finally, be prepared to be blacklisted at many other betting websites as the collection agency will usually send a list of fraudulent players to all of the operators they work with, detailing who might be on their way to come scam them. So even if your original complaint was legitimate, you could still end up getting barred from many other reputable places in the process.
In closing, charging back on an internet gambling deposit should always be your absolute last resort and only be done when justified – and no, losing your bankroll is not a good reason to do it. If you want to avoid all of these headaches in the first place, just make sure to only play at safe and legit U.S. online casinos so you know going in that there won’t be any issues. An ounce of prevention is worth a pound of cure.