Credit card payments declined

[Christi Wolverton]

First time in 3 years of mid-term renting that I had a credit card denied two months after client moved in.  She notified me yesterday her contract was canceled and asked about terminating the lease.  Little did I know but she had already declined her payment.  Has anyone had experience with this - in other words - can she simply decline the charge without the credit card company reaching out for investigation into the matter?

[JD Martin]

Why is your tenant paying you by credit card? Yes, they can dispute the charge and then the CC company will have to open a dispute that you will have to answer to attempt to get your money. 

It is one reason most LLs will not accept CCs for rent payments. All a mid-term rental is someone staying not permanently but longer than on vacation. It's a short term lease. They should pay just like someone on a regular lease pays - cash or equivalent into your bank account.