Refunds how long

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While we strive to provide a wide range offers, Bankrate does not include information about every financial or credit product or service. However, the exact timing of receiving your refund depends on a range of factors, and in some cases, the process may take longer.

The IRS sends over 9 out of 10 refunds to taxpayers in less than three weeks. There are a number of factors — including the choices you make when you file — that could impact how long it takes for you to receive your tax refund.

If your refund is taking longer than expected, don't despair too much. Even a delayed refund shouldn't hurt your credit, as long as you manage your account wisely while the refund is pending. Remember to pay your bill by the due date and mind your credit limit so you don't overextend yourself. A delayed refund can, however, start to affect your credit score if it means you'll maintain a higher credit utilization ratio for a longer period of time while you wait.

A large purchase might affect your credit utilization ratio—the amount of available credit you have divided by your total available credit—which, in turn, affects your credit score.

That's something, but not enough to hurt your scores if it's the only purchase you have on your card. But suppose you decide to use the same card to purchase another mattress before your refund posts. On the other hand, it's never a bad idea to avoid this risk in the first place by avoiding a new purchase until after your refund posts to your account. An issue with the refund might extend how long it'll take even further, or mean you can't get a refund at all.

Once the refunded money is credited to your account, you'll know you have those funds available to spend—or save—for certain. Don't Apply Blindly Apply for credit cards confidently with personalized offers based on your credit profile.

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By sharing your questions and our answers, we can help others as well. Personal credit report disputes cannot be submitted through Ask Experian. To dispute information in your personal credit report, simply follow the instructions provided with it. Your personal credit report includes appropriate contact information including a website address, toll-free telephone number and mailing address.

To submit a dispute online visit Experian's Dispute Center. If you have a current copy of your personal credit report, simply enter the report number where indicated, and follow the instructions provided. If you end up returning the item you purchased, the funds will be refunded directly to your credit card account, not to you. This will leave a balance on your credit card account for the amount of your purchase. A recent study found that online merchants take their time — days, and sometimes weeks — to refund your money.

The study, conducted during the holidays by StellaService, found that dot-coms like Amazon. Or never. The short answer is, because they can. There are few, if any, laws that require a prompt refund to be issued when merchandise is returned. Some stores will insist on giving you credit instead of returning your money, which only benefits them. Here we discuss how a refund on a credit card works and provide a few secrets to getting a speedy refund.

How does a refund on a credit card work? This is an age-old question that consumers have been asking since credit cards became commonplace decades ago. Once your credit card company approves the transaction, your credit limit will be reduced and the amount will be displayed on your credit card bill, usually at the end of the month. Credit card returns happen every day, but consumers may not know how the funds get reimbursed. Because your card issuer paid for the item s you bought, your funds will be refunded back to your credit card account.

You realize the TV is too big to fit on your mantle, so you go back to the store and return it. When you make the return, the retailer will usually ask for your receipt and the card you used to make your purchase. When the transaction is complete, the refund balance will be posted to your account.

To get a refund on a product or service purchased with a credit card, ConsumerFinance. Get a refund for purchases made with credit or debit cards using Apple Pay To return and get a refund for something you've bought using Apple Pay, you may need to provide some additional information.

Find your Device Account Number To process refunds for purchases made using Apple Pay, the merchant will use the Device Account Number of your payment card, instead of the debit or credit card number from your physical card. Tap the card you've used to make the purchase. Tap the More button. Scroll down and tap Card Information.