Jizar II... send and email to
[email protected] with your account info and we'll be happy to have a look at your specific credit rates.
SunTzu... no doubt that would make all our lives much easier....and make us all much wealthier. ;-) Sadly Visa and MC are 100% behind the consumer. Ever see the MC "zero liability" commercials? Educating consumers how to refund.
Unfortunately credits are a very necessary evil. Many companies have found that the hard way.