[tis]

Originally Posted by brk-lnt

Your experience is very different than most peoples. I've filed a few claims over the years (mostly disputes for wrong charges, or over items that were received damaged/not as described). In every case my cards (Visa, MC, Amex) have given an immediate provisional credit. THEN they contact the merchant, who has to produce proof that my claim is without merit. In every case after about 6-8 weeks the provisional credit became permanent.

I've also been on the other end of this as a merchant, and can tell you that things are heavily biased in the card holders favor.

I'm not disputing what you experienced, but I do think that is very very atypical.

And it is expensive for the business to have a charge questioned. Last I knew it was 50$ but probably a lot more now.