Cynthetiq

O rly?

I would love to see that written somewhere in their terms and conditions. I can't seem to locate it on ANY of my documents, nor on their website.

I guess when the underpaid telephone person said to you, "No we don't cover it." "No we don't have any methods for disputing transactions." You just believed them.

Did you take it up wards to managers, supervisors, customer service and fraud protection departments? Did you contact your State Attorney General? Did you file a police report? Did you write any letters to your local representatives?

No? You just paid the bill? Or did you default on it?

All credit card companies have terms and conditions for disputing charges. I'd side with the fact that you were too lazy to bother writing letters and making phone calls, since you can't capitalize, use apostrophes, don't use spell check, or have any kind of coherent grammar.

Congratulations, you're a winner!
/threadjack

I'd have to suggest going with what bank does the most for you and which loyalty program makes sense for you. Having a Chase Shell Card does nothing for you if you don't have a car to redeem it for gas, but if you travel you may use it to pay for your gas in the rental car. Take some time to think about your needs and which institution fulfills it.

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