Time a merchant has to bill my credit card

[justadope]

What is the name of your state? Arizona

Online transaction with payment authorized by credit card with a Texas based firm. I received what I ordered but my credit card was billed for a much lower amount.

How much time does the firm have to ask me to pay the difference before I can legally refuse and can I require them to use the agreed upon form of payment (credit card) or can they demand I send them payment by some other means?

Are there any limits placed on the merchant by Visa prohibiting them from charging the balance to my card after a certain period of time without my re-authorization?

Thanks in advance.

 

[racer72]

So you are looking to scam the retailer out of money? What if the error had gone the other way and you paid too much, would you not want the overpayment returned asap? The statute of limatations in Arizona for actions of fraud or mistake is 3 years. You authorized a specific amount to be charged, no re-authorization is required.

 

[justadope]

So you are looking to scam the retailer out of money? What if the error had gone the other way and you paid too much, would you not want the overpayment returned asap? The statute of limatations in Arizona for actions of fraud or mistake is 3 years. You authorized a specific amount to be charged, no re-authorization is required.

t's difficult to characterize me doing nothing as a scam. I'm perfectly fine with the merchant billing me the correct amount just as I'm all in favor of a merchant refunding me on request if they overbill. It's unfortunate that I have to occassionally take my time to correct an overbilling problem without being compensated, I'm going to stick with insisting that merchants hire their own help to handle underbillings.

I do appreciate the statute of limitations mention though. I'll check with Visa/MC on what period of time a merchant is permitted to submit a charge, which certainly has no bearing on my legal obligation to pay the merchant at that point but would absolve me of feeling like a scammer if I didn't leave a credit card account open a couple extra years in case a merchant wants to submit a charge I incurred over a year ago.