QUOTE (Soxbadger @ Apr 16, 2012 -> 02:33 PM)
I have chase and they immediately disputed the charge and credited my account. It was for a double bill, but they still immediately reversed the charges.
Right, and in your case, it would be Chase's policies...as you probably hold a Chase issued "Visa". For something as simple as a double charge, almost no issuer would deny you.
But for more 'iffy' circumstances, their rules can be more vague.
In one of my examples, we paid for and stayed at a Holiday Inn after a wedding...and the woman at the front desk immediately had a problem with us, for no apparent reason. Needless to say, she says we were loud, obnoxious, waking up others at the hotel and trashing our rooms. She called the police at 1am to have us escorted out.
1) The rooms were not trashed, even the police noted that.
2) She attempted to "enter my room" without my permission when I answered the door for her, and told the police that I, "Got in her face"...which, right...I answered my hotel room door when she knocked so she claims that was "getting in her face".
3) Neighboring rooms woke up to see why police were out there and said we weren't loud, and never woke them up.
4) Regardless, the police said we had to leave because the manager wanted us out.
Note we used the rooms all day/up until 1am...I put a dispute on the charge, Discover credited me...and weeks later corporate Holiday Inn called to apologize and offered us a free nights stay at any Holiday Inn.
I never paid for the room, despite the fact that we used it most of the day/night. A few people also put the room on dispute that used Visa/MC...and got denied, and had to pay for their rooms. Any of us that had used Discover/Amex did not end up having to pay.
That's my personal experience and why I'll never use a bank issued or private issued card like Visa/MC.