Can’t tell who charged your card? Use these 8 methods to identify any merchant, from transaction details and descriptor searches to your bank’s merchant lookup and disputes.
An NSF fee is charged when your bank returns a payment because you don’t have enough money. Learn how NSF fees work, how they differ from overdraft fees, and 9 ways to avoid them.
An ACH credit is an electronic deposit pushed into your account, like a paycheck, tax refund or transfer. Learn what it means, common examples, timing and how to verify it.
Your current balance includes everything posted, while your available balance subtracts holds, pending charges and uncleared deposits. Learn why they differ and which to trust.
A debit hold freezes your actual cash, while a credit hold only reduces your available credit. Learn how each works, how long they last and which card to use for deposits.
A chargeback usually takes 30 to 90 days from filing to final decision, though many are resolved faster. See the full timeline, stages and how to speed up your case.
Provisional credit is a temporary refund your bank gives while it investigates a dispute. Learn how it works, when you get it, how long it lasts and if it can be reversed.
Learn how to dispute a charge with your bank step by step: when to dispute, what evidence to gather, deadlines, provisional credit and what happens after you file.
A soft decline is a temporary card refusal that can often be fixed by retrying, verifying your identity or correcting details. Learn soft vs hard declines and what to do.
Debit card refunds usually take 3 to 10 business days to appear, but timing depends on the merchant, card network and your bank. See timelines and what to do if it’s late.