This could happen as a result of fraud or merchant abuse. 1: Card Recovery Bulletin:This standard provides the financial industry with a list of Return Reason codes that are used by the Financial Services industry for image exchange and the creation of IRDs. 2 – EMV Liability Shift Non-Counterfeit Fraud. All of Visa’s existing reason codes were condensed into four key groupings:. 13. Visa - 13. Credit card chargeback reason codes broken down by Mastercard, Discover and American Express Visa chargeback reason codes. Also, remember that the time frame for your response includes any processing required by the acquirer. 1? Visa chargeback reason code 11. 1. Some credit card companies also include a short phrase describing the code and chargeback. 31. 2023 Consumer Attitudes Towards Chargebacks 7 Best Practices in Chargeback MitigationChargeback Reason Codes by Industry. A chargeback happens when a customer asks their card-issuing bank to reverse a transaction. A fraudulent chargeback represents much more than a lost sale for merchants. 3 is part of an updated and expanded revision of the legacy codes that indicated fraud, codes which were phased out under the Visa Claims Resolution initiative. If the cardholder is using the chargeback process incorrectly — a practice commonly referred to as “friendly” fraud — the information provided to the bank. Removed these Discover Chargeback Codes: AL, CA, IC, IS, NC, SV, U03, UNR. 1 Merchandise/Services Not Received . 2. American Express chargeback reason codes, much like Discover, bear one important difference from those under Visa and Mastercard: the issuing bank is also the card network. #9. At this point, funds are not yet deducted from your account, but a NoC always indicates that your account will be debited for the chargeback amount. VCIPayments; NMI;. Fraudulent. Card Type Reason Code Reason Text Chargeback Category Preventable Reversible VISA 83 Fraud-Card Absent Environment The post below contains legacy information pertaining to the formerly-common Visa chargeback reason code 75. For the time being, however, merchants should be aware that banks may still use the legacy code. To track these chargeback reasons and many more not listed here, each credit card issuer has its own list of chargeback reason codes. 1: EMV Liability Shift Counterfeit Fraud: 10. MASTERCARD. A truly effective chargeback management strategy must encompass prevention as well as disputing cases of friendly fraud. All the major card networks use chargeback reason codes to convey the reason for a chargeback. 4 – Counterfeit Merchandise. Company. eCommerce Travel Crypto Gaming SaaS Gambling Ticketing. A number of factors contribute to a high chargeback ratio. 2 Declined Authorization; 11. Resources. Card Member received written acknowledgement from the Merchant for a Credit, but the Credit has not been applied to the Card Member’s Account. If the cardholder bases the claim on false or misleading statements, it is considered friendly fraud. In simple terms, Mastercard Chargeback Reason Code 4859 — No Show/Addendum/ATM Dispute refers to situations where a customer claims the services purchased from a merchant were not fulfilled. Evidence Required. Unauthorized returns (R05, R07, R10, R29, R51): 0. 4870 – Chip Liability Shift. These codes help businesses understand the cause of chargebacks and how they can prevent them in the future. reason code information. The Visa Claims Resolution (VCR) initiative, launched in 2018, changed many aspects of the chargeback process. For returns, the time period is 7 days. Use this guide as a resource to quickly identify a chargeback reason code from Mastercard. Visa Reason Codes. A WORD OF WARNING: MATCH reason codes are not the same as chargeback reason codes. Select a tab to see the possible. Having a Lax Attitude Toward Industry Rules & Regulations. The purpose of reason codes is to help merchants realize the intent of a consumer’s dispute; however, if they are attempting to obtain goods/services for free, they do not provide any meaning. Partners. Spot these types of chargebacks using the below reason codes. The deadline for a Chase Bank customer to dispute a transaction is 60 days. When a chargeback is filed, a bank selects the code that best fits the reason a chargeback was filed. Code 10. 100-187-2013 Standard for image exchange. 2023 Consumer Attitudes Towards Chargebacks 7 Best Practices in Chargeback MitigationDiscover uses the four main categories to organize its reason codes: Authorization, Service (Discover’s name for Card Member Disputes), Fraud, and Processing Errors. The Complete Chargeback Reason Codes List Visa Discover Mastercard American Express How to Use Chargeback Reason Codes 5 Things Merchants Should Understand About Chargeback Codes Credit Card Chargeback Reason Codes: Final Thoughts FAQs about Chargeback Reason Codes A chargeback reason code is a 2-to-4-digit alphanumeric code provided by the issuing bank involved in a chargeback, which is meant to identify the reason for the dispute. Reason Code – 13. These symbols stand for reasons why a financial institution may file a credit card chargeback from their client’s name. The Discover chargeback reason codes list is just as extensive as the other major US card schemes, despite being the youngest and smallest of the four. Additionally, Amex uses a fifth "Miscellaneous" category. 1st Chargeback. Reason Code Description More details Action required; MD06 Disputed authorised transaction Your customer has claimed a refund for an authorised transaction (Core scheme only). The chargeback reason code is important in determining the evidence you need to provide to successfully win the chargeback dispute. Non-Receipt of Information Chargeback Reasons. Despite all the rules and guidelines, the outcomes of the chargeback process can be, at times, subjective, and can vary based on the scenario, merchant payment. The time limits for responding to a chargeback also vary based on the card scheme and the chargeback reason code. 4 — other fraud – card-absent environment — asserts the merchant processed a card-absent, card-not-present, or digital payment for a customer who used the. About Careers Contact. The client can send Paymentology a list of disputes, using a predefined batch chargeback submission template that has been requested to chargeback. Most Common Chargeback Reason Codes #3: Order Significantly Not as Described. You’re right. 08. 4. It is a valuable resource for anyone involved in the payments industry. Request Transaction Documentation for Keyed Card Transaction. Reason codes are very crucial to assist. FR6 Partial Immediate Chargeback Program. It’s crucial that you recognize the common merchant errors that might trigger a reason code 13. 1. 4 Fraud – Card-Absent Environ. R03 Insufficient Reply. The key below describes the applicable classification and code structure of. What follows is a quick reference guide for all the current reason codes for each of the four major credit card networks: Visa, Mastercard, American Express, and Discover. 3: Goods or services were not received: C08: RG: 4855: 13. Only an issuer can initiate the chargeback process. The Complete Chargeback Reason Codes List Visa Discover Mastercard American Express How to Use Chargeback Reason Codes 5 Things Merchants Should Understand About Chargeback. About Mastercard chargeback reason codes. Once you’ve identified the reason for the chargeback, you can investigate the transaction to determine whether or not the chargeback is legitimate. 1003 - Transaction Supporting Document (TSD) needed. Step 3 – The acquiring bank receives the chargeback. Oftentimes, the reason code assignment is based on limited knowledge and insight. ” This code indicates that the merchant sent an authorization approval request for a transaction, received a “Decline” or “Pick Up Card” response, and submitted the. 13. The initial release of this standard does not add, remove or change any Return Reason Codes. Pre-ArbitrationSteps to Prevention. 3. to research a chargeback or reversal case, which is related to an authorization or fraud related chargeback reason code. 1. Use pre-sale fraud detection service providers that can help verify the cardholder’s identity, detect potential criminal activity, and reduce the risk of accepting unauthorized transaction. This chargeback<br />. American Express, Discover (and Diners Club International, which it owns) use a combination of numerals and letters. The transaction was recurring and the cardholder failed to meet the cancellation terms of the. These disputes are commonly referred to as friendly fraud. Chargebacks911® can help your business manage risk from Visa chargeback reason code 10. This chargeback<br />. The journal Chargeback reversed is booked and the disputed amount is transferred back into your account. 1: The chargeback time limits may be altered if the resources were assumed to deliver after the execution time period of the payment also. Reason code 98 was a code used for pre-compliance chargebacks before the implementation of the Visa Dispute Resolution system. Now, compliance cases go through Visa Resolve Online (VROL). Multiple Authorization Requests. 1. Below is a list of Mastercard chargeback codes used in eCommerce. Process reversals and credits promptly. For MasterCard reason code 4853, provide documentation to support that the chargeback is remedied or invalid through one of the following: The transaction was not a recurring transaction. 5, and all aspects of chargeback reason codes, with proprietary. For defects or “Not as Described” cause codes, the 120. 1001 - Cardholder does not recognize the transaction. This can provide important information to fight the dispute. Chargeback reason code 10. Recurring billing transactions are a frequent source of conflict, disputes, and. reason code information. The following tables list Visa’s Reason Codes and time limits for processing a chargeback. In these situations, a merchant’s billing descriptor is simply not recognized by the customer. 3: Other Fraud — Card Present Environment: 10. These codes are currently defined within the ANSI X9. It’s typical to see fraud chargebacks roll in 2-3 months after the initial charges took place. Step 1 – The customer initiates a chargeback dispute request over a transaction. C02 – Credit Not Processed. 2. Take the time to note the following dispute reason codes for Visa. The most common chargeback reason codes are fraudulent charges, unauthorized transactions, and products not received, however, there are dozens of different chargeback reason codes for. F02. MasterCard - 4863 Cardholder Will Not Recognize - Potential Fraud. 6 Credit Not Processed . This may affect dispute time limits. A Shopify chargeback occurs when a cardholder contacts the bank about. We want to clarify: this doesn’t imply that a transaction ID can reliably prevent chargebacks and fraud. 30. Below is a comprehensive list of the most common Mastercard chargeback reason codes and their explanations, along with prevention strategies you can implement to reduce the likelihood of chargebacks. ACH Return Codes. It was originally just one facet of legacy reason code 81. Scenario 1 — upfront chargeback. Administrative returns (R02, R03, R04): 3%. 13. Reason. MasterCard - 4855 Goods or Services Not Provided. Reason Code Directory. If you’re using the Online Dispute Management System, you will find the dispute reason codes on both the Level 1 and 2 screens. Which is meant to know the reason for the dispute. How many chargeback reason codes exist? There are 151 reason codes across the four major card networks. American Express, Discover (and Diners Club International, which it owns) use a combination of numerals and letters. 195 Acquirer Use of Message Reason Code 7627-Face-to-Face or CAT Level 2 Transac tion. 2 Added chapter providing information about the DiscoverA transaction event code is a five-digit code that classifies the transaction type based on money movement and debit or credit. ACH return codes are a type of shorthand for specific information concerning the return, much like the card decline codes or dispute reason codes used by credit card networks. They make it easier for originating and receiving financial institutions to spot and communicate payment failures. How many chargeback reason codes are there? Among the four major credit card networks, there are a total of 151 reason codes. The aim here was to streamline the list of reason codes, and make it. When a cardholder has an issue with a transaction, they can contact their bank to dispute the charge. Prior to to, Mastercard’s list of reason colored was long, convoluted, and confusing; currently there been fewer than ten different reason codes relevancy to majority merchants. The chargeback transfers funds from the acquirer to the issuer. This reason is made visible to all parties involved. 3 – Not as Described or Defective Merchandise / Services. The chargeback can be for the total transaction amount or a lesser amount. Depending on whether the documentation is required or not, Paymentology will submit these chargebacks on the client’s behalf. Reason Code: Numeric: Code for the chargeback request (see below). Each reason code is composed of a two-, three-, or four-digit number. 1: EMV Liability Shift Counterfeit Fraud: 10. 4837 — No Cardholder Authorization. Visa chargeback reason codes, for example, are numerals with decimals. Excessive Fraud: The merchant’s sales volume thresholds for the ratio of fraud to sales were exceeded. The shorthand description is “Card Recovery Bulletin or Exception File. The shorthand description is “Incorrect Transaction Code. 4 spec (Section 8. Visa’s fraud reason codes list dispute reasons from 10. Chargeback reason code description – An explanation which provides the reason of raising a chargeback by the cardholder. About American Express chargeback reason codes. Reason codes are alphanumeric codes that provide the justification for granting a chargeback. C28 – Cancelled Recurring Billing. Nor is the situation static. Midigator has created a database of Mastercard reason codes. 13. The most comprehensive guide to chargeback reason codes. Request for Information. Card Member received written acknowledgement from the Merchant for a Credit, but the Credit has not been applied to the Card Member’s Account. Each credit card company has their own list of chargeback reason codes, and along with these different lists come different time limits, definitions, and expected merchant actions. Each card company has its. 3 – CBK: Fraudulent Transaction: No Cardholder Authorization 10. For first chargebacks, Mastercard currently only has 9 reason codes in use, with a few others in the process of being phased out. Learn more about chargeback reason codes here: Chargeback Reason Codes: List & Tips for Merchants A chargeback reason code is a 2-to-4-digit alphanumeric code given by the issuing bank tangled in a chargeback. A reason code identifies the reason behind every chargeback. And, each code has unique compelling evidence requirements if you choose to fight. Know these five rules to avoid payroll blunders triggering fines, penalties and IRS audits. 1 Merchandise/Services Not Received. 5%. However, the codes are often insufficient to get to the root cause and prevent future chargeback occurrences. FR6 Partial Immediate Chargeback Program. 7. Chargeback reason code 4853 can be used to indicate disputes where the cardholder simply claims that the merchant never delivered on what was promised. Please contact the issuing bank for a specific reason. The fact that every card network has its own list of reason codes can make figuring out what a particular reason code means a bit complicated at times. Previously, Visa expected the disputing member to start the dispute by filing a pre-compliance chargeback under reason code 98 (now obsolete). This section contains a list of codes and messages that the system can return in the response message for a payment transaction. Midigator has created a database of reason codes. Once you receive this notification, you have 11 days to submit a response. There are six different types of RFI reason codes for the dispute notifications. In reality, however, the true cause of a chargeback may be anything from a misunderstanding, to buyer's remorse, or even deliberate cardholder abuse. 0: Updated report version from 1. Expand the categories below to view the full list of Discover chargeback reason codes. Get your complete guide to the new Visa reason codes, including all the detailed information, chargeback time limits, and other important information you need. Our all-in-one e-commerce fraud prevention solution helps e-commerce companies reduce chargeback overheads while streamlining transactions for legitimate users. In 2016, Mastercard chargeback reason codes were condensed and consolidated, in a restructuring that resembled Visa Compensation Resolution. Visa uses a numeric scheme for its chargeback reason codes. The Online Chargeback Management guide (PDF) is to help merchants input debit adjustments. This code applies when a transaction was processed without acquiring authorization…but the card used in the transaction was listed in the Visa Card Recovery Bulletin (CRB). S. As mentioned earlier, the given reason for a chargeback may be far different from the actual reason. For MasterCard reason code 4853, provide documentation to support that the chargeback is remedied or invalid through one of the following: The transaction was not a recurring transaction. Type. With that said, you still need to understand the reason codes with any chargebacks from Amex. Visa chargebacks can be a major inconvenience for merchants. A service chargeback is filed by a customer, which means that you need to note the card type and dispute reason code so that you can determine which types of information to submit if you dispute the claim. 2023 Consumer Attitudes Towards Chargebacks 7 Best Practices in Chargeback MitigationCustomer Dispute. A reason code is how banks categorize the reason for a chargeback. Visa Merchant Official. © CHARGEBACK REASON CODES Reason. This provided a number of insights into the typical. It covers topics such as chargeback rights, time frames, reason codes, arbitration and compliance. Chargeback Refund: return by the payer’s bank (e. Chargeback Reason Code Categories The 151 chargeback reason codes across the four major credit card companies can generally be grouped into five different categories. message. Chargeback Reason Codes List for Mastercard Chargeback Code Chargeback Reason 4801 Requested Transaction Data Not Received 4802 Requested / Required Information Illegible or Missing 4807 Warning Bulletin File 4808 Requested / Required Authorisation Not Obtained 4812 Account Number Not on File 4831 Transaction Amount Differs 4834 Duplicate. Updated the following columns - card type, response due date. All received credit card disputes include a reason code. Today, Visa expects members to communicate through VROL and try to resolve their. With that said, you still need to understand the reason codes with any chargebacks from Amex. 4 Updated Discover chapter for April (2012) Enhancements Chapter 2 1. Check the chargeback reason code. Find explanations for the major credit card issuers dispute reason codes in the Cardholder Dispute Reason Code EncyclopediaAlternatively, you can find the list of Klarna dispute notifications in your Customer Area by going to Risk > Disputes > Requests for Information. Reason Code 03. Reason Code 05. The customer was wardrobing. Additionally, there are several other reasons you could be on this list related to security, illegal activity, bankruptcy, fraud, or non-compliance. Resources. May be received up to 8 weeks after settlement. Reason Code 12. But for illegitimate claims, the reason code doesn’t give the real reason for the dispute. You processed a transaction with the counterfeit card on a terminal that wasn’t EMV-compliant rather than using a chip reading device that would have detected the fraud. The other member could accept the chargeback or contest it, escalating the dispute to compliance where Visa adjudicates. Potential chargeback or compliance documentation is required:A chargeback reason code is a two- or four-digit alphanumeric code issuing banks assign to disputes. Medicare reason codes are 3 digit codes found in processing reports and Medicare benefit statements. 4860 Credit Not Processed. 100- 140 standards- , and will be removed in future releases. The chart above outlines reason codes for when Walmart is not paying the full amount of an invoice. The other member could accept the chargeback or contest it, escalating the dispute to compliance where Visa adjudicates. The same is true of all chargeback reason codes. 6). You can see a reason code 11. Visa chargeback codes are broken up into four categories: Fraudulent activity; Authorization issues; Processing errors; Customer disputes; Fraudulent activity • Section 4: Chargeback Reason Codes—Contains detailed information on the reason codes for the most common types of chargebacks that merchants receive. 77. Dispute network reason codes categorization . An example failure message:. If you have a check or draft returned, pay close attention to the reason code so you know if you can redeposit the item. The claim often, but not always, involves automated teller machines (ATMs). Common ACH dispute codes. Visa Claims Resolution consolidated the company’s previous roster of chargeback reason codes into four fundamental dispute categories: Fraud; Authorization; Processing Errors; Consumer Disputes; The reason codes are broken up into general, related categories. Each major credit card company has its own list of chargeback reason codes that describes the chargeback. message. 4 is part of an updated and expanded revision of the legacy codes that indicated fraud, codes which were phased out under the Visa Claims Resolution initiative. This code applies when a cardholder claims a charge was unauthorized, and the issuer determined that ALL of the following conditions were met: The transaction took place in a card-present environment. A chargeback reason code is a 2-to-4-digit alphanumeric code provided by the issuing bank involved in a chargeback, which is meant to identify the reason for the dispute. The Visa chargeback reason codes system underwent a major overhaul in April 2018 as part of their new Visa Claims Resolution (VCR) initiative. Services industry for image exchange and the creation of IRDs. Visa’s rules allow merchants to fight chargebacks by presenting the charge a second time along with evidence supporting its legitimacy. screen . The tickets were held at the box office, and no signature, swipe or imprint of the card was obtained when the tickets were released. Explaining Mastercard Reason Code 4859 - No Show/Addendum/ATM Dispute. 20The cardholder files a chargeback via their bank. For instance,. S. For a more detailed explanation, as well as a list of Visa’s individual codes, please refer to our guide on chargeback reason codes. The reason code specifies why the chargeback was initiated. 1 to 10. What are Amex Reason Codes? Every card network features its own list of chargeback reason codes. • Chargeback Reason Code – Each chargeback contains a reason code that signifies the reason for the dispute and the rules that must be followed by the issuer and the merchant in order to resolve the dispute. Mastercard chargeback reason codes are four numerals without decimals. This process is called. 5 percent of all transactions. Once filed, the merchant generally has 20. The Chargeback Reason Code Format. 1. Case Studies. Partners. Chargeback Reason Code List - U. Acquirer Use of Message Reason Code 7623. Clearly differentiate between card-present and card-absent transactions by noting mail, phone, and internet. The terminal action codes are in Table 122 of the 4. All ACH return reason codes consist of the letter “R” followed by two. Incorrect transaction amount or account number. Chapter 6 Pre-Arbitration and Arbitration Case Filing-For Chargebacks Initiated On or After 17 July 2020 > Time Frames and Requirements > Dual Message System Pre-Arbitration andmessage. If you. If they accept, this is the final status. 5 Removed unused Visa (60) and Discover (4580) Chargeback Codes Added Section 1. ”. This reason code is accompanied by a fraudulent reason code (UA). Reason Card Type Reason Code Description Merchant Action Code This chargeback occurs because of a dispute on an Airline sale involving allegedly fraudulent card transactions. The cardholder claims either that the merchandise was never received, or the services purchased were not provided. 1 Goods and Services Related Issues 1. 5 Chargeback Reason Code List - U. 1 – EMV Liability Shift Counterfeit Fraud. Every of the major card brands, the inclusion of Visa, MasterCard, and others, has its acknowledged system of reason codes. Chargeback time frames - A specific period during which a chargeback can be raised. That said, looking up purchases using this number can make it easier to provide info following an. Published: June 1, 2022. FR4 Immediate Chargeback Program. This may be done by either the merchant or the issuing bank. 1=1010, 10. Use pre-sale fraud detection service providers that can help verify the cardholder’s identity, detect potential criminal activity, and reduce the risk of accepting unauthorized transaction. The following are reason codes for the same scenario: Visa: Reason Code 30 Services not provided or merchandise not received. The most comprehensive guide to chargeback reason codes. Mastercard Chargeback Reason Code 73: Duplicate Transaction. ©Reason. 2 is an updated version of legacy Visa reason code 81, which was phased out under the Visa Claims Resolution initiative. The issuer reviews the case, assigns a reason code, and initiates the chargeback. The issuing bank initiates the first chargeback on behalf of the cardholder by sending a chargeback notification to Adyen stating the dispute reason. 6. Late Presentment Rules: Mastercard. The ultimate purpose of a chargeback reason code is to explain to the merchant why a chargeback was filed. 195 Acquirer Use of Message Reason Code 7627-No MAC Provided. UA05 Fraud – Chip Counterfeit Transaction. P04 – Charge Processed as Credit. Banks, processors, merchants, card networks, and third-party vendors all have a role. The problem continues to grow out of control with each year. Each bank card network has its owner list of reason codes banks must prefer from. An invalid chargeback is defined as an unnecessary or non-compliant payment dispute — a chargeback that shouldn’t have happened. e. 2022 Visa Chargeback. What follows is a quick reference guide for all the current reason codes for each of the four. 4870 – Chip Liability Shift. This Visa chargeback condition is very common. Use this guide as a resource to quickly identify a chargeback reason code from Mastercard. The tickets were held at the box office, and no signature, swipe or imprint. 1? Chargeback reason code 11. Good news: Visa is working to improve the chargeback process by altering some of its rules regarding intentional cardholder misuse. They also prevent acquirers from threatening or punishing merchants with inclusion on the MATCH. Merchant must provide proof of authorization. Visa chargeback reason code 75 is filed as an honest mistake. A new 4 byte reason code will be used moving forward. And each reason code has unique compelling evidence requirements if you choose to fight. Chargeback Reason Codes > Chip Liability Shift > Issuer Chargeback > Chip Liability Shift Program for Domestic and Intraregional Transactions Chapter 5—Compliance Case. What is Mastercard chargeback reason code 4807? Mastercard chargeback reason code 4807 falls under the “Authorization” category. The chargeback period, or the time limit for filing a chargeback, depends on the card scheme and the chargeback reason code. These codes are established by the payment brands to categorize the incoming dispute requests by reason. Blog. Chargeback Reason Code. Learn the details, the cause, how to respond and how to prevent Visa Reason Code 13. The separation of the Return Reason 13. Reason Codes Category 4: Processing Errors. 3 – Not as Described or Defective Merchandise / Services. Amazon Pay will send you a notification email when you get a chargeback, which will include details such as the order number and reason code. You may have to temporarily disable or lower the risk score for the Card/bank account holder name contains a non-alphabetic character risk check. The Visa chargeback reason codings system underwent a major overhaul in May 2018 as part of their new Visa Claims Resolution (VCR) initiative. Mastercard gives you 45, and Discover gives you 30. Duplicate Processing - 811. Merchants who end a month with at least 100 chargebacks and a chargeback ratio of 1. Chargeback /Dispute; Merchant Response. Major card networks including Visa, MasterCard, Discover and American Express have different reason code systems. Chargebacks with the following reason codes are requested due to fraudulent activity. Visa Chargeback Reason Codes. An issuer can initiate a first chargeback when the circumstances of the transaction meet the requirement of a chargeback reason code described in the Chargeback Guide. ©ACH return codes and explanations for R01 – R33 returns. 1st Chargeback. [noun]/* fren • dlē • frôd • /. What is Visa chargeback reason code 71? Visa chargeback reason code 71 falls under the “Authorization” category. 2=1020 etc. American Express, Discovering, Visa. 4849 – Questionable Merchant Activity – Mastercard Rule 3. High Level Visa Chargeback Dispute Flow. Chargeback reason codes are alphanumeric codes established by the major card networks that indicate the reason a chargeback was filed. . Reason code 12. This indicates a transaction was processed using a card that Visa listed as stolen or counterfeit. Reason Code 03: Laundering: The merchant processed transactions that did not involve a bona fide cardholder.