Reason Code CD: Credit Posted as Card Sale

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Dispute

Card Issuer

Discover

Reason Code

CD

Category

Service Dispute

Claim

The merchant debited instead of crediting the cardholder’s account.

Cause

The merchant debits the cardholder’s account instead of crediting it.

Response

Cardholders and issuers have 120 days to file a dispute related to the claim against the merchant.

Merchants have 30 days to respond to the claim in dispute.

Steps to Prevention

  • Always double-check the final transaction.
  • Train your staff on the correct procedures for processing debits, reversals, and credits.
  • Credit duplicate transactions immediately.

Notes

The card issuer gets 30 extra days to file a chargeback if they submitted a retrieval request which was completed after the 120 days.

Discover Merchant Official Documentation
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