The Finnish Consumer Protection Act in credit cards

All Nordea’s credit cards give you protection pursuant to the Finnish Consumer Protection Act in case the merchant breaches the contract. If you have paid the purchase with the credit facility of your card and you would be entitled to a reimbursement, such as a refund or compensation from the merchant, due to a breach of contract, you can also dispute the transaction by sending us a cardholder dispute form. If the merchant denies responsibility, Nordea is, as part of the credit facility, jointly liable for the merchant’s breach of contract.

1. First, contact the seller or the service provider. You can often agree on compensation directly with them.
2. If you don’t reach an agreement, file a card complaint with Nordea. Please attach to your complaint the original order confirmation and any communications you have had with the seller.
   

We will look into the issue on your behalf. If you are entitled to a reimbursement, such as a refund or compensation from the seller or service provider based on a breach of contract, the Finnish Consumer Protection Act provides that Nordea and the seller or service provider will be jointly liable for the payment you are owed. 

In the case of a bankruptcy, you will get your money back from Nordea if you paid for the transaction with your credit card. Please attach a confirmation of the order to your cardholder dispute form. We will contact you if we have any questions when we process your form.

1. We will let you know in 1–10 days after receiving your complaint that we have started processing it.
2. We will look into your complaint and contact you for further information if needed.
3. It may take up to 6 months to process your complaint, but we will often refund your credit card with the amount in question for the duration of the processing. If our investigations prove that the complaint is unfounded, we will claim back the refund that was paid to you for the duration of the processing.
   
4. If you wish to be notified of the outcome of the process, we can send it to you digitally or by post.