Exactly. I had a $2,100 car repair bill punched in as $21,000 the day before a 2 week vacation. Chewed up most of the credit line on my most favored card (Chase Marriott Visa) at the worst possible time. While the merchant promised a speedy reversal, Chase couldn't have been less caring, was going to send me forms in the mail and said it would be a minimum of 2 weeks after that to resolve.