En résumé
This is a legitimate charge from Card Replacement Fee.
What is a Card Replacement Fee?
A 'Card Replacement Fee' on your bank statement is a standard charge levied by banks when a physical debit or credit card is reissued.
This fee is typically applied when you request a new card because your previous one was misplaced, stolen, or damaged.
Standard Charges vs. Renewal
Most banks have a set schedule of charges for these services, which vary depending on the bank and the type of card you hold.
While renewal cards (sent when a card naturally expires) are usually free, a 'replacement' is considered a service request triggered by the customer, which is why it attracts a fee.
- Step 1 Check your bank's Schedule of Charges on their official website to confirm the exact fee for your specific card type.
- Step 2 Review recent activity to see if you or someone on your account recently requested a replacement card through your mobile app or branch.
Can I get a card replacement fee waived?
Depending on your account type (e.g., premium accounts) or previous discussions with customer care, some banks may be willing to waive this fee if you ask.
Dispute Rights & Fraud Prevention
If you suspect this charge is fraudulent or billing in error, you have strict federal rights protecting your account.
Always review your statement carefully and take action within 60 days.
What should I do if I don't recognize this charge?
First, check with family members or anyone authorized on your account. If the charge remains unrecognized, contact your bank immediately to report it. Under the Fair Credit Billing Act (FCBA), you have 60 days from the statement date to dispute unauthorized credit card charges.
How long does it take for a disputed charge to be removed?
Once you file a dispute, your bank must acknowledge it within 30 days and resolve it within two billing cycles (not exceeding 90 days). During this time, the disputed amount is usually placed on a provisional hold, meaning you do not have to pay it.
Répertoire indépendant non affilié à Card Replacement Fee. Les libellés varient selon les banques.
Sources vérifiées
- CFPB: Disputing Credit Card Charges https://www.consumerfinance.gov
- FTC: Fair Credit Billing Act https://consumer.ftc.gov