EyeInTheSky said:
They tried unsuccessfully to get a refund from the airline.
They purchased the ticket in their home state or within 100 miles of their billing address.
The fare was more than $50.
Most importantly, consumers need to document the complaint in a letter to their credit card company; otherwise, they will not be protected legally. The letter must reach the creditor within 60 days after the first credit card statement containing the billing error was mailed.
Understand this rule does not apply to corporate cards.
[post="179875"][/post]
I've edited to eliminate everything except the "gotchas." I know all too well what the law is. Let me tell you my long, sad, tragic experience with BofA Visa.
My screwing over was not an airplane ticket. It was a Christmas gift ordered in July, billed in August, for delivery in December--as an analogy, think Christmas trip to see the family, or a ski trip. Company closed its doors in late November.
If a company closes its doors, what constitutes "trying to get a refund from" them. A telephone call to an answering machine that tells you the company is not in operation? 5 calls? A letter to a P.O. Box that you can't prove was received. Been there, done that. BofA said I hadn't fulfilled this part of the law because I didn't prove to them (BofA) that I had attempted to get a refund. (This was their first, immediate response to my request for a credit on my card since I had paid the bill in late August.)
I followed the rules about disputing the charge in writing. After writing back and forth with BofA until the following March, they decided to invoke the 60 day rule--I should have disputed the charge no later than October, they said. Needless to say, I do not have a BofA Visa today, and I finally got my last checking account closed with them.
I'm not saying that every credit card company is like BofA, but I would think twice about booking on any airline in BK more than 30 days in advance of the actual flight. Things can change so rapidly.
For instance, what's going to happen with UAL if the judge decides to end their exclusivity period because he decides that they didn't make nice enough with their unions? Rumor has it that at least one group of creditors will present an alternate plan that involves converting to Ch. 7. That's coming up real soon.