- Centurion Member
- Posts: 239
- Joined: Wed Feb 18, 2015 9:04 pm
- Location: Texas
I can't find a definitive legal answer for you and I'm almost tempted to just call one of my credit card companies and ask because I'm curious too. The speculation I've found - which also makes sense in a common sense way - is something like 30 days to a year. Personally I would have guessed (but as a pure guess) 90 days. I do have some thoughts on this coming from both sides of it though.
A few years back I got a random charge from a bar on one of my credit cards and I almost called to dispute it because it was for a bar I didn't recognize the name of in a nearby town, but not even the city I live in. HOWEVER, instead I Googled that bar name and pulled up pictures and remembered that - oh yeah, I really had gone out there with friends about 5 months earlier. I just hadn't recognized the name and don't usually buy anything in that city. I didn't dispute it because the charge was valid, just really really late. My guess is that they temporarily lost my receipt or something and then decided to charge it anyway when they found it.
On the flip side, I work for a small independent company with only a handful of employees. We're all pretty busy and take on different roles in the company. Sometimes I process charges, sometimes one of my co-workers does...but sometimes we're both so busy - and assume that other person has/will charge the person - that it legitimately takes a couple weeks or more to do it. Now certainly that's just something we should work on doing more promptly, but my point is that sometimes smaller businesses are so busy serving customers and performing the service they're paid to perform, that it's easy to forget/put off this type of thing. A lot of small companies don't have a fast, easy automated system of doing it - or a dedicated billing department - like the big companies. There's a good chance your plumber has to literally stop working on other people's jobs, ordering parts, returning calls, etc. to go locate your credit card info and process it. It wouldn't necessarily take a long time, but he's probably busy with a list of other things to do and doesn't realize it's inconveniencing you, or even that it's been awhile.
My advice and opinion: be patient, maybe just call and politely ask/remind him.