It is amazning that your time is worth so little
04-10-2007 03:59 AM
First of all in the U.S. Discover just as American Express has started selling the brand name of their card. Just as visa and mastercard.
So their rules and guidelines for letter writting changes on which bank you are dealing with.
I will go with the assumption it is Discover Bank, In this case get the dispute and pay it and screw around with them for a few months, on a charge this small, it has been my experiance that they would issue credit after you become too much of a pain. I assume that your letter is well formatted every 14-21 days summit the dispute and you will get the credit. also remember that the C.C. company has rules that they must folllow by the F.T.C. simply put every inquiry into your account must be replied to and i could go on forever. but pay the bill and then you will get your credit.
You need your 720+ score wether you are bill gates or a very poor person.