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can you dispute a charge because of quality of product?

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im' assuming you have to go thru the stores warranty procedure first and get unsatisfactory replies. but after that can you go back and dispute a charge for a defective product

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If you can't get a refund, file a dispute.  Who knows what a credit union will do, but a reputable bank will find in your favor (hint: don't try this with Discovery).

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Some categories of goods, like vehicle related or home improvements, will be hard  to charge back.  In any case you have to work in good faith with the merchant first.

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