You give them a chance to fix it. Jumping right to a chargeback is not a great idea for any number of reasons. Your first step if SSG doesn't remedy the situation should should be to dispute the charge with your bank. A chargeback will cost SSG money, because at the least, they will get hit with a fee for the chargeback. You go there first and they have every right to ban your account for costing them money instead of trying to remedy the situation the proper way.
The transaction likely shows "pending" on your bank and does not show posted meaning it that has concluded. You only get screwed when the transaction has finalized and you don't have your stuff. I would most certainly chill like others have suggested. You're not going to get screwed. SSG is swamped now with tickets, and the weekend is here.
The bank or anyone else isn't going to do anything until the transaction posts which I think is like 2-3 business days. It probably won't even post and your funds will become available again. It's just a hold on the funds. If it posts, and you don't have points you then tell SSG about it. If they say screw you (they won't) then you can file a case with your bank.
while you can get a refund, usa doesn't have any civilised laws concerning consumer protection, and corporations frequently ban peole who dare to demand a refund for unrendered service
Right!?! Frickin barbarians as far as consumer protection goes. Sometimes it gets a little better, but we're in Devo mode right now.
I wish I could give you a good answer but I'm just not sure. Every time i've personally had an issue it's gotten cleared up. And I didn't mean to come off like a douche in my post (though I frequently do at other times hence the title), it was just to point out there are steps a CC company expects you to take before doing a chargeback. It costs a vendor around $70 to dispute a chargeback, so if the amount charged is less than that, they will let it go through. But they won't be happy if they think the situation could be remedied. I might call my card company now to let them know if you don't get your goods by say tomorrow you're going to dispute the charge. I would personally give it until the morning, but you should call them whenever you feel it's been an unreasonable amount of time for them not to respond, even if that is right now. It is your money, so do what you think best.
can you imagine the number of BigCorp that will go bankrupt if robust consumer protection laws were established?
You're correct, the transaction has not finalized. I am monitoring my bank account. When the status does change then I may move to the next faze. It may be pending all weekend. If it does indeed drop off then, I'll try to purchase the point again. ( if they are still double bonus)
Usually its 48h for banks to process purchases.
Problem with that is that their terms of service allow them to do whatever they want to you without regards to your legal rights in most other situations.
