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Comment on Update to last week's BestBuy Shenanigan. They refused to refund me after not delivering me the stuff I ordered after a so-called "investigation".

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foggy@lemmy.world ⁨1⁩ ⁨day⁩ ago

Yeah this is what back charges are for, and the absolute beauty of credit.

Won’t hear me say that much.

But you don’t have to go through the nonsense if you use credit.

You tell them “hey I bought this and didn’t get it I am disputing the charge.”

And their legal team calls their legal team and says “we want receipts and proof or we will litigate and also we are a financial institution and you’re best buy so be smart here.”

Instant (well not really, but effortless) resolve almost every time you’re in the right.

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dhork@lemmy.world ⁨1⁩ ⁨day⁩ ago
Yes, the system works, but it kinds sucks that it’s based on getting the biggest gorilla on your side, rather than which side is actually in the right.

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- WolfLink@sh.itjust.works ⁨1⁩ ⁨day⁩ ago
  That’s kinda the way of the world in general unfortunately.
  
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Rai@lemmy.dbzer0.com ⁨1⁩ ⁨day⁩ ago
I use my credit card for everything, and pay it off fully every month.

I had to do a chargeback once. Convert tickets bought in December 2019, concert obviously cancelled. Ticket site wouldn’t refund, they just kept saying “oh just wait until it’s rescheduled” when I E-mailed for a refund. I asked four times. I told them “even if it is rescheduled, I’m not going to a concert in a pandemic.”

I went to my credit card’s web site, clicked a button, wrote a sentence, and the charge was gone. Never heard about it again. It’s truly the way to go.

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phx@lemmy.ca ⁨16⁩ ⁨hours⁩ ago
Yup. I use credit a lot but also pay off my cards every pay period. I get that it sucks for merchants, but you know what sucks worse: getting cheated like this on a debit/cash transaction, or worse having your debit card skimmed.

A relative of mine had the latter and the bank froze her account for weeks while investigating. If it was a credit card they’d just freeze the transaction and maybe send you a replacement card with different #

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