You should talk to your bank as it depends on the network your bank uses. Most of the time it's something like a 48 hour window to challenge charges but it's far less at some banks.
> [With a debit card,] "Until the bank provides provisional credit, you could temporarily be out of pocket for the amount in dispute," said Richard Foley, an FDIC attorney who specializes in consumer issues. "This would not typically happen with a credit card because consumers can withhold payment of the amount in dispute."
> Also, as discussed on the next page, consumers have better federal protections when they purchase faulty goods with credit cards.