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When a refund you're plainly owed still hasn't arrived — or a charge is simply wrong — paying by card usually leaves one more option open: a chargeback, where your bank reviews and reverses the charge. A plain-language guide to when it fits, what to bring, and the time limit you can't let slip.

Charged twice, billed after you cancelled, a refundable rate that flipped to non-refundable, or money taken for something you didn't book — match the symptom to the fix and act fast, using Booking.com's own payment terms.