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psyko514, what are the policies now with online/mail-order purchases?
When I worked for CIBC, I remember it was such a hassle to ask for a refund on your credit card that people would think twice before signing the affidavit saying they *never* signed or authorized the transaction - because either way, they knew it would not be done instantly - Client had to sign the affidavit, a copy of the transaction had to be sent to Visa, Visa would then verify the signatures - and any other document that the merchant had to back-up the charge. It was a hassle just to ask for a copy to verify the transaction so people would be hesitant to do it.
I have a copy of one of the forms from MasterCard. They goe as far as letting the client *State* or certify that they have not promised nor authorised anybody to process the *said* transaction. They have not authorised the merchant to process the transaction, whether by telephone, mail or other
I'd like to know what kind of proof Visa/MasterCard are asking for now? If it's online, there are no signatures and if it's not a product that was shipped, they don't have a waybill or an address back-up the transaction. So what are they looking for?
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