Originally Posted by
joejones
That's interesting. I have noticed that my Japanese credit cards don't offer an obvious way to dispute charges. That lack of consumer protection by the Japanese issuers may be one reason why processing vendors charge more to accept foreign CCs.
It's not obvious, but you can perform a 支払い停止の抗弁 to the card issuer, who then will investigate and reverse the charges as necessary. In my experience, when fraudulent charges appeared on my statement, I contacted the card issuer and they immediately reversed the charges. In one case I had to sign an affidavit acknowledging that the charges were fraudulent.
I don't know if the process is as smooth if the dispute is not as clear-cut (e.g. services not performed or provided as agreed).