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Credit Card Purchase Protections for an "Unreturnable" Purchase


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The last post in this topic was posted 3583 days ago. 

 

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What's the best card to use with an unfamiliar online merchant, for a custom item that cannot be returned unless it arrives damaged?

 

I want to make sure we're in the strongest position in case we need to do a chargeback... let's say the item arrives and it's not exactly as depicted or described online.

 

I'm also thinking about extra warranty protection benefits for the purchase, although I'm not sure if those typically apply to furniture.

 

 

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Thanks, guys.

 

I've done chargebacks with Amex and B of A recently. Both were very easy, but they were both $50 or under transactions.

 

I'm more than a little hesitant to spend thousands of dollars with an unknown merchant on an un-returnable, custom item... but we're having a lot of problems finding something we like in meatspace.

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I'm currently lobbying for this in grey, but the counter-argument I'm getting is to look for something with some tufting on the seat cushions, so the leather doesn't start looking stretched prematurely. I had to look up "tufting."

 

In reality, my priority is to get something simple and comfortable, where I can park my lazy flowers while berating people on CB from my tablet.

 

ScreenShot2014-08-21at101527AM_zps846e42

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I'm currently lobbying for this in grey, but the counter-argument I'm getting is to look for something with some tufting on the seat cushions, so the leather doesn't start looking stretched prematurely. I had to look up "tufting."

 

In reality, my priority is to get something simple and comfortable, where I can park my lazy flowers while berating people on CB from my tablet.

 

ScreenShot2014-08-21at101527AM_zps846e42

Are you English, or American? :huh:

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I'm currently lobbying for this in grey, but the counter-argument I'm getting is to look for something with some tufting on the seat cushions, so the leather doesn't start looking stretched prematurely. I had to look up "tufting."

 

In reality, my priority is to get something simple and comfortable, where I can park my lazy flowers while berating people on CB from my tablet.

 

ScreenShot2014-08-21at101527AM_zps846e42

Are you English, or American? :huh:

 

 

Maybe.

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The color is called "Italian charcoal," which is silly because the color isn't very dark. No idea why I chose that spelling...

 

ScreenShot2014-08-21at103949AM_zps25a932

I like that name! But it is really difficult to gauge "color" in a black and white photo! :P

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I just talked to Amex.

 

Here's a wrinkle:

 

The purchase/charge-back protection is good for three months from the date of the charge. The lead time on this furniture is significant since it's a custom order, and it could take longer than three months to arrive.

 

I need to find out if this merchant charges the card when the order is placed, or when it ships.

 

Looking through our recent furniture purchases on our current Amex bill, it's a mixed bag:

 

- Sectional for TV room (stock item, immediately available but delivered later): Card charged on the day it was delivered.

 

- Table/chairs for breakfast room (normally a stock item, but OOS when we purchased it): Card was charged a deposit paid when ordered, but the balance charged on delivery day.

 

- Dining room table (normally a stock item, but OOS when we purchased it): Charged upfront, not here until late September.

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Amex is the best for Chargebacks, which is why most businesses won't accept them. As a business owner, we're in business to ensure that we don't get screwed over and we make money. Amex should pay you out of their pocket and not the merchants.

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Amex is the best for Chargebacks, which is why most businesses won't accept them. As a business owner, we're in business to ensure that we don't get screwed over and we make money. Amex should pay you out of their pocket and not the merchants.

 

Unless the merchant screws me. That was the nature of my question. I don't want free crap at your expense.

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Amex is the best for Chargebacks, which is why most businesses won't accept them. As a business owner, we're in business to ensure that we don't get screwed over and we make money. Amex should pay you out of their pocket and not the merchants.

 

Why should AmEx pay when you screw over your customers?

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