American Express reason code
American Express reason code C02: Credit Not Processed
A refund or credit the Card Member expected was not applied.
Network: American ExpressCategory: Card Member DisputeResponse window: ~20 days
What Amex C02 means
American Express C02 is credit not processed: a refund or credit the Card Member expected was not applied.
When issuers use it
Amex files C02 when a client reports a promised refund did not appear.
Mistakes that lose this dispute
- Promising a refund and not issuing it before the dispute
- Having no clear policy on when refunds are due
FAQ
Frequently asked questions
The customer says I never refunded them. What do I do?
If you issued the credit, show the dated proof with its reference. If a refund wasn't owed, show your accepted refund policy and why it did not apply.
I issued a refund but still got a chargeback. What now?
Submit proof of the credit (date, amount, reference). Issuers reverse these once you show the refund was already processed.