Miata Mailing List: August 1997, Message #36
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From: 	"John Yang" <jyang@telecom.tandem.com>

Subject: [NMC] Re(2): WIZ non-delivery Part III

Date: 	Fri, 1 Aug 1997 11:09:06 +0000



I have never had a problem with my AT&T MC.  All disputed charges were

credited on the _first_ request.  I had two incidents of disputed charges

with some merchants, both times my accounted was credited immediately and

the _merchant_ had to produce the proof that I actually made the charge.  I

also had to make one claim on the M/C 90 days insurance policy and was

immediately reimbursed for the damaged item.



I'm not sure I want to deal with Discover Card after reading the following

story:

http://www.wired.com:80/news/news/culture/story/5530.html 

http://headlines.yahoo.com/planetout/stories/8702964053.html



I not sure the 0.25% cash back Discover offers is worth it.





John

'BOMBIE'





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From: Bill Bowser <webowser@fuse.net>



<snip>



I had an experience with a charge on a credit card (Discover) for which

I was not responsible which was kind of a nightmare and may shed some

light on this issue.



After my departure from a bed and breakfast place in Denison, TX the

proprietor added the cost of another day's lodging to the credit

charge.  I learned of this when I got the credit card bill.  I called

Discover to dispute the charge and was told that they would issue a

temporary credit, but if the merchant didn't agree, the charge would be

reinstated.



We'll to make a long story short the charge was reinstated, temporarily

credited a second time, reinstated a second time, and then finally

credited.  This process took 3 - 4 months, numerous phone calls and

produced a lot of aggrevation.



The bottom line is that if the merchant doesn't agree with you, the

credit card company sides with the merchant.  (At least that's my

experience with Discover.)



<snip>