As far as i'm aware 'fraud protection' only applies when someone stole your details or card and used them without your knowledge AND you could have sone something to reasonably limit the loss, like report your card stolen, but didn't.
If you did nothing wrong and were duped out of a sale (valid for 6 months), or your credit card details were stolen and you never knew, and reported it as soon as you did know, then you have unlimited protection. This is why you pay credit card companies for a service. It is part of their service to protect purchases that are fraudulent and not at your fault.
From what my friends say, US credit card companies are one of the easiest to get to do a chargeback. Worry not, if you really need it at this price etc from these guys, wait a bit longer, otherwise call the credit card company now and tell them whats transpired and to issue a chargeback immedietly.
The card company don't really care, because these companies need merchant accounts to transact credit card orders. Those accounts hold deposits or pay them at the end of the month so there's always money there that the credit card company can withhold from these guys, thus forcing them to chase the credit card comany rather than the other way round. This happens alot with paypal, and sometimes honest sellers are left out of pocket because chasing the credit card company may not be worth the hassle for the money in dispute.
Oh and ALWAYS buy using a credit card, from a nice big bank if possible, if you're ever unsure about a company your buying from. You can always pay if off with cash, or from another card before the end of the month if your interest on that card happens to be rubish. I have a morgan stanly card for this very purpose - rubish interest rate, great protection and service
Carbonfish wrote:bigtiger wrote:Do let us know your experience when you got the laptop. I am curious about this company.
Can you cancel your order? If you paid with Credit, you can also refuse to pay, I guess.
I don't know what the bank would do about cancelling the order, or how long I would have to allow the company to make me whole. Because the card is issued by a big bank (US Bank) I have fraud protection. So supposedly the most I can lose is $50.00. But that's not really the issue. As we all are aware, time is money, stress is money, and every minute I spend trying to find out my order status, and worrying about whether or not I'm going to get this thing at all, is a minute of my life that I'll never have back.
To be realistic though, This process only started this past Sunday, so in all fairness, even though this company has done everything wrong as far as making the customer comfortable after the sale, they actually haven't ripped me off
yet. I'll call tomorrow morning and ask them for my tracking number, and if I gett a song and dance, then I'll really start to worry and make some phone calls to the bank, etc.
I have to say thanks to you all for your support and concern though. I find typing about it cathartic.
KC
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