Overview
Bankrate is a website that helps people make smarter money decisions by offering free tools and expert advice you can trust. It lets you compare offers for things like bank accounts, loans, credit cards, and insurance, so you can find the best deals for your needs. They have useful calculators that can help you figure out things like mortgages or savings. Plus, they provide easy-to-understand reviews and up-to-date money news to guide you. Their goal is to help you have a healthier relationship with your money by giving you clear, honest information and practical tips.
Difficulty
12345678910
Easy Medium Very Hard
The information is directly from Bankrate's official about page, which clearly outlines their services, mission, and key features aimed at consumers, using straightforward language suitable for a consumer audience.
How to Get a Bankrate Refund: Step by Step
If you purchased through Bankrate direct billing:
- Write an email to support@bankrate.com to request a refund. All refund requests must be made in writing.
- Include details of the charge including transaction date and amount.
- If your refund request is for an error in billing, ensure you contact Bankrate within 90 days of the charge date.
- If the refund request relates to invalid leads, submit your request no later than the 5th day of the month after you received the leads, including the Bankrate Lead ID.
- If requesting refund due to account closure, provide a written 30-day notice to Bankrate.
- Wait up to 4 weeks for refund processing after Bankrate has removed your ad or account has been closed.
- Refunds may be issued via check, wire transfer, or credit card chargeback at Bankrate's discretion.
Tips and Tricks for Getting a Bankrate Refund
- Be polite but firm: Use respectful language but stay assertive about your refund request.
- Provide detailed information: Clearly include account details, transaction dates, and amounts to avoid back-and-forth and speed up the process.
- Document everything: Keep records of all communications including emails and chat transcripts to escalate if needed.
- Use direct contact methods: Reach out via official customer service numbers or emails rather than generic contact forms.
- Escalate strategically: If frontline service denies the refund, escalate to supervisors or managers mentioning company policies and consumer rights.
- Leverage timing: Request refunds during business hours and early in the week for quicker responses.
- Threaten formal complaints: Mention filing complaints with consumer protection agencies, BBB, or filing chargebacks with credit card companies if refund is not granted.
- Be patient but persistent: Repeated polite follow-ups can help, but avoid aggressive or hostile language.
- Use social proof or public posts: Sometimes mentioning a willingness to share bad experiences on forums or social media can motivate faster refunds.
- Check for refund eligibility tricks: Users report requesting refunds shortly after charge but before the billing cycle closes may improve chances.
Why Do People Request Refunds from Bankrate
- Merchant mistakes: receiving the wrong item or a damaged item and the merchant refuses to accept return.
- Duplicate charges: being charged twice for the same item or service, often at restaurants or online bulk shopping.
- Unkept refund promises: merchants repeatedly promise a refund but never provide it.
- Fraudulent charges: unauthorized use of card information by someone else causing unrecognized charges.
- Unauthorized authorized user charges: charges made by an authorized user without the primary cardholder's knowledge.
- Confusing merchant names: transactions billed under a different merchant name causing confusion.
- Not receiving goods or services paid for: payment made but items or services are never delivered.
- Recurring service billing after cancellation: continued billing for a service that was canceled.
Bankrate Refund Script
Script
Copy
Dear Bankrate Customer Service,
I hope this message finds you well. I am writing to address a billing issue that I encountered with my account. I noticed an accidental charge that I did not authorize, and I believe it was processed in error. I kindly request a refund for this charge as it has caused some unexpected disruption in my budgeting.
Thank you for your attention to this matter. I look forward to your prompt response regarding the steps to finalize this refund.
Best regards,
Bankrate Refund Policy
Bankrate's refund policy allows for various refund requests, including those for Click and Call Campaigns, which must be submitted in writing within 90 days of the charge. Refunds for invalid Leads are also required to be written requests submitted by the 5th day of the following month. Additionally, active accounts must give thirty days' notice and will have refunds processed within four weeks, while unused fees in inactive accounts will be refunded without additional notice.
The Easiest Way to Get a Bankrate Refund
If you’re frustrated trying to get a refund from Bankrate—or if you didn’t even realize you were being charged—Chargeback can help. Chargeback is a personal subscription manager that automatically detects hidden, recurring charges like Netflix, Hulu, and hundreds of others. With one click, we can cancel unwanted subscriptions, flag suspicious billing, and even initiate refund requests on your behalf. No more waiting on hold or navigating confusing help pages. Just connect your bank or card account, and we’ll take care of the rest.
Start reclaiming your money today with Chargeback
Editorial Note: These articles reflect the opinions of Chargeback's writers. Everyone's situation is unique; therefore, it is important to conduct your own research and note that our self-help tools are not guaranteed to help with any specific problem.
.svg)
.svg)
.svg)
.svg)
.png)
