General Cardholder Dispute
Category: Cardholder Disputes
Merchant response window
45 days
Cardholder filing window
120 days
What triggers it
Broad umbrella code — merchandise or services materially different from description, credit not processed, damaged goods, quality issues.
What to check first — evidence for representment
The hardest code to defend without category-specific evidence. Respond to the cardholder's specific stated claim; use product photos, correspondence records, return policy documentation, and delivery confirmation to address the particular issue raised — generic templates perform poorly here.
Acts as a catch-all — claims that don't fit neatly elsewhere route here. Win rates vary more than any other code and depend entirely on matching the evidence to the specific claim.
Full reference
Mastercard Mastercom Dispute Categories Reference