Visa 13.6 — Credit Not Processed

What it means

The cardholder returned merchandise or cancelled services but did not receive the promised refund or credit.

Common causes

• Refund delayed beyond stated policy timeline
• Return received but credit not issued in billing system
• Partial refund disputed as insufficient

Evidence that helps you win

• Refund transaction ID and date posted to the card
• Return receipt showing item received and credit initiated
• Refund policy and proof compliance with stated terms
• Bank/processor confirmation of credit settlement