How to not get ripped off in your line of business...

[SlowHabit]

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When you get a charge on your credit card that you do not agree with especially if you made the purchase over the phone or online call the company and tell them this specifically:

'I did not authorize this transaction'

No matter what they tell you, just keep telling them that. This wont work with a huge company, but it will for a smaller one such as signing up for a porn site or some $99.95 infomercial you bought etc.

Tell them that if they do not refund the charges to you, you are going to call your bank/credit card company and 'charge back' this item.

Say, 'listen, you either refund the money to me or i am going to call my bank and charge back'

Even if its a subscription service and they've been billing you for 9 months, do this. Get them to refund all of the months to you and any overdraft fee's your bank charged you. If they do not, then call your bank.

Tell them 'i did not authorize this/these transaction(s). I wish to charge back.

Your bank should immediately refund the money to you upon your written declaration of your intent to charge back. It is very difficult to prove authorization over the phone or on the internet. 90% of these charge backs are ignored by the companies and they just eat the loss. The chances are that if you bank accepts it, you'll get all the money back (and as I said, most banks will just front you the money until they get it back anyway).

Threatening them with this over the phone and using the specific language above makes you stand out from the crowd and they know not to mess with you. 'I did not authorize this transaction' and 'I am going to charge back' make them not even mess around with trying to con you. Very few people know those key words but they are the only things that will make these companies listen.

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So sick.