When a Customer Challenges a Credit Card Transaction That Appears

question 25

Multiple Choice

When a customer challenges a credit card transaction that appears on their statement, who bears the onus of proof?

• A)The onus is on the merchant to prove that the transaction took place.
• B)The onus is on the customer to prove that the transaction did not take place.
• C)The onus is on the card issuer to prove that the transaction did not take place.
• D)The onus is on the bank to resolve any dispute.

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Definitions:

Referent Power

Referent power is a form of influence based on the charismatic appeal or personal attraction of the power-holder, leading others to identify with or seek approval from the individual.

Kelman's Sequence

A theory of social influence which outlines three processes through which attitudes can change: compliance, identification, and internalization.

Compliance

The tendency to agree to do things requested by others, often to fit in with societal expectations or demands.

Internalization

The process by which individuals accept and assimilate the norms, values, or beliefs of a group into their own belief system.