What is a provisional credit?

A provisional credit is a temporary credit issued by a bank to an account holder. This statement item can later be reversed or made permanent, depending on the reason for the credit issuance. Banks may issue a credit to an account holder at their discretion. The credit will then appear on the cardholder’s statement as its own distinct line item.

How do I apply for a provisional credit?

In order to be eligible for a provisional credit, you must provide a letter of dispute. You can fill out the Transaction Dispute Form or write to us directly. If you are writing us directly, be sure to include: Please also provide copies of any applicable documentation: Your completed form or letter should be mailed to:

What happens if a customer disputes a charge and gets a provisional credit?

When a customer disputes a charge and gets a provisional credit, it's the business owner who feels the pinch. These credits are meant to protect shoppers from wrong charges or mistakes, but they can bring several headaches for businesses. These include: