Mastercard 4860 — Credit Not Processed

What it means

The cardholder returned goods or was promised a refund but the credit never appeared on their account.

Common causes

• Refund not issued after return received
• Processing delay beyond stated refund policy
• Credit failed or posted to wrong transaction

Evidence that helps you win

• Refund transaction reference and posting date
• Return receipt confirming item received
• Refund policy compliance documentation
• Processor confirmation credit was sent to issuer