a request for money spent on a credit card or debit card to be paid back to the customer by the sell

中文解释

（信用卡或借记卡公司要求零售商将消费金额退还持卡人的）退款要求 You should have immediately requested a chargeback from the bank when the goods were found to have been faulty. 当发现货物有问题时，你应该立即向银行申请退款。