Quote:
Originally posted by xenigo
This IS actually the policy with all the credit cards I've ever owned. I've tried to charge back a futon cause these dickwads were giving me the run-around with their policies, and the credit card wouldn't let me until I could verify I had talked to the merchant first, and were unable to reach a compromise. The funds were charged back, and the merchant was sent a request for their return policy statement... so I know they do seek to communicate with everyone involved. Perhaps it's different with soft goods??
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Actually, it just has to do with the merchant catagory code. As sson as the issueing bank sees an adult MCC, they just hit the chargeback button, without going through a retrieval request first.