I am planning to make a large purchase from a person who accepts credit card payment. I know my credit card company will help me if the items turn out to
be bad. Does anyone here have experience of NOT being able to get a refund
even though they paid by credit card ?

Credit Card is the safest payment known to man. If there is a problem you can contact them and do chragebacks etc. Escrow is also very safe

Moving to Payment Discussion

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Yes if paying a supplier i would advise CC as its by far the safest

Originally Posted by willhof

Credit Card is the safest payment known to man. If there is a problem you can contact them and do chragebacks etc. Escrow is also very safe

I wouldn't go as far as saying its the "safest payment known to man". Like you mentioned there is Escrow.com and L/C is also very safe.

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But only with a credit card can you get satisfaction after initially accepting the goods. L/C and Escrow still basically depend on physical receipt, inspection and acceptance ot the goods.

With the chances of a chargeback, even something that develops during the initial use of the product can still be recitified. I have even managed to get a refund for a non-performing used motherboard sold in "as is" condition. I did not fight for the shipping charges, but I did get back the $ 30 or $ 40 I paid. I'm sure the seller figured it was better to give me a refund than go through the chargeback process, pay a chargeback fee and have a chargeback show on his record with the processor.

I'd never recommend using a chargeback as retribution, but they sure can be used for satisfaction. Something you can't do with Escrow or L/C.

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Originally Posted by pete

But only with a credit card can you get satisfaction after initially accepting the goods. L/C and Escrow still basically depend on physical receipt, inspection and acceptance ot the goods.

This is very true, I was in two minds when writing that post. In the majority of cases it won't be that you get defective stock so a charge back won't be necessary. A valid point though.

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