credit card mocks 04 19

Discover Reason Code CD Credit Posted as Card Sale

Disputeโ€‹

Discover

Card Issuer Name

CD

Reason Code

Service Dispute

Category

Claim

The merchant debited instead of crediting the cardholderโ€™s account.

Cause

The merchant debits the cardholderโ€™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.
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