Originally Posted by
percysmith
Issuer banks are as enthusiatic about Reason Code 76/4846 as airlines about EC 261/2004. It's a pure cost to the issuers and most of them will prefer to pretend it doesn't exist.
Maybe better in the US but in HK/Singapore they don't do anything til you escalate
http://www.flyertalk.com/forum/singa...l#post25604402
Understand. While EC 261/2004 the airlines eat the cost as that is the result of their failure to perform I dont believe the banks eat the disputed amount under Reason Code 76/4846 because the fault is at the merchant's side. US Banks especially AMEX, would not hesitate to charge back the merchants.
Temp credit shows up with description as Return.
Will see how the merchant response - the cashier shrugged when I asked her to reverse and redo the bill. Now they have to go thru the charge back as I dont believe Chase would eat it and just go thru the formality without charge back to the merchant.