Credit Card Purchase Protections for an "Unreturnable" Purchase

[nysbadmk8]

 

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?

You clearly haven't run your own business. This is in no way directed at CV. But in my industry chargebacks because of customer wrong doing is very high. It's a big reason why I don't accept PayPal over a certain dollar amount either.

[mendelssohn]

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.

If the merchant screws over the consumer, the merchant should pay, not Amex.

 

It's very rare to encounter a business these days that does not accept Amex.

[cv91915]

 

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.

If the merchant screws over the consumer, the merchant should pay, not Amex.

 

It's very rare to encounter a business these days that does not accept Amex.

 

 

It's a lot more common than I'd like to have my Amex handed back to me, and another card requested, especially for smaller purchases at local places (haircuts, dry cleaning, carry-out). The spending on our Visa has gone up quite a bit over the past few months because this is even more common in Mudland than it is in San Diego.

[mendelssohn]

 

 

 

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.

If the merchant screws over the consumer, the merchant should pay, not Amex.

 

It's very rare to encounter a business these days that does not accept Amex.

It's a lot more common than I'd like to have my Amex handed back to me, and another card requested, especially for smaller purchases at local places (haircuts, dry cleaning, carry-out). The spending on our Visa has gone up quite a bit over the past few months because this is even more common in Mudland than it is in San Diego.

In the DFW area, it's extremely rare, even for small businesses.

[Chupacabras]

In my area, Amex is basically unusable if you don't shop at chains. That's why I'll have to get rid of my PRG, I just can't make the 30k spend because of it.

[mendelssohn]

In my area, Amex is basically unusable if you don't shop at chains. That's why I'll have to get rid of my PRG, I just can't make the 30k spend because of it.

Grocery stores take it, correct?

 

They do sell gift cards.

[Chupacabras]

Using gift cards at restaurants and local businesses are a huge PITA, plus gift cards sacrifice all your purchase protections. No thanks.

[cv91915]

Using gift cards at restaurants and local businesses are a huge PITA, plus gift cards sacrifice all your purchase protections. No thanks.

 

In case you want to do a chargeback on a bowl of soup?

[Chupacabras]

Restaurants aren't the only places that don't take Amex.

[cv91915]

 

 

 

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.

If the merchant screws over the consumer, the merchant should pay, not Amex.

 

It's very rare to encounter a business these days that does not accept Amex.

It's a lot more common than I'd like to have my Amex handed back to me, and another card requested, especially for smaller purchases at local places (haircuts, dry cleaning, carry-out). The spending on our Visa has gone up quite a bit over the past few months because this is even more common in Mudland than it is in San Diego.

In the DFW area, it's extremely rare, even for small businesses.

 

 

Last month we put 10% of our credit card spending on a Visa card (we always offer the Amex first), and that's a really skewed statistic since well over half of what went on the Amex were larger-ticket purchases like furniture for the new house. Those types of merchants pretty much all take Amex.

 

It'll be interested to see how that breaks out when we finally get our normal spending patterns back.

[Omnipotent]

 

Amex will cover the return as long as your return. Protection covers up to that dollar amount.

 

Not sure I follow.

 

 

Stupid auto correct.

 

I meant that as long as the return protection covers up to the amount of the sofa, you should be fine.

 

In other words as long as the price of the couch doesn't go over the limit Amex sets.

 

For example. the BCP has a cap on $300 per item and $1,000 annually on returns.

 

You can always do a charge back as well but I don't know how that would work out.

[Omnipotent]

 

 

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.

If the merchant screws over the consumer, the merchant should pay, not Amex.

 

It's very rare to encounter a business these days that does not accept Amex.

 

 

It's a lot more common than I'd like to have my Amex handed back to me, and another card requested, especially for smaller purchases at local places (haircuts, dry cleaning, carry-out). The spending on our Visa has gone up quite a bit over the past few months because this is even more common in Mudland than it is in San Diego.

 

 

Mudland?

[cv91915]

 

 

 

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.

If the merchant screws over the consumer, the merchant should pay, not Amex.

 

It's very rare to encounter a business these days that does not accept Amex.

 

 

It's a lot more common than I'd like to have my Amex handed back to me, and another card requested, especially for smaller purchases at local places (haircuts, dry cleaning, carry-out). The spending on our Visa has gone up quite a bit over the past few months because this is even more common in Mudland than it is in San Diego.

 

 

Mudland?

 

 

It's not as charming as it sounds.

[cv91915]

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.

 

OK, the merchant charges 50% to the card when the order is placed, and the remaining 50% when the item ships, which is fair.

 

I called Amex to ask if the second charge would reset the clock on my protections on the first charge, if more than three months had elapsed.

 

The answer I got was that the three-month timeframe is just a guideline anyway, and that they work on a dispute that was reasonably within that general timeframe. He also mentioned that the nature of the purchase (custom order with a long lead time) would be a factor that would make them willing to extend the timeframe for assisting.

 

The first time I called the number on the back of my Sourpuss card. This was the Platinum CS line. The Sourpuss CSR told me that the protections were the same on all of their cards, though.