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I think Mastercard and Visa will arbitrate a dispute, but to be completely safe I always use American Express. Those folks are like a pack of dogs if you're not satisfied with a purchase. With the Gold Card they will even guarantee the item above and beyond what the manufacturer/store will. Additionally, nine months from now, if you decide you really didn't want the item, they'll take it off your hands and refund the charge to your card. Most definitely "Membership Has It's Privileges"! ............ Especially when dealing with merchants that are not just down the street!
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