Quick answer
A chargeback is when you ask your bank to reverse a charge instead of asking us for a refund. It's a real consumer right and we respect it — but it's slow (30 to 90 days) and irreversible once filed. If something is wrong with your order, contact us first. We resolve almost every issue within 1 to 3 business days, much faster than the bank dispute process.
When a chargeback makes sense
- You suspect actual fraud (someone used your card without permission)
- You can't reach the merchant after multiple attempts
- The merchant refuses to honour a clear refund right
When to contact us first instead
- Order arrived damaged, late, or wrong item
- You changed your mind (we have a return policy — see returns)
- You see a duplicate charge
- You don't recognize the merchant name on your statement (it appears as "BIJOUTERIE JAMIL" or "BJAMIL MTL")
What happens if you file a chargeback
- Your bank temporarily reverses the charge.
- The bank notifies us and asks for evidence (order, shipping proof, communications).
- We respond with the documentation we have on file.
- The card network (Visa, Mastercard, Amex) makes the final decision in 30 to 90 days.
- The decision is binding.
What to have ready (for any dispute)
- Order number
- Card last 4 digits
- Date of the charge
- A short description of the issue
- Any photos or screenshots
Still need help?
Email info@bjamil.com or call the store before filing a dispute. We'd much rather resolve it directly — it's faster, simpler, and lets us actually fix the problem.