Originally Posted by mia
<<Amex will let you dispute anything, for any (reasonable) cause, at least temporarily until the dispute clears of course. I was told by the Chairman folks that they had a checklist that they had to go through to determine whether or not to open a dispute,>>
I wonder if this may reflect differences in the merchant agreements used by the American Express versus the Mastercard network. The only way I can think to test would be to dispute a charge on a Citibank American Express card.
Merchant agreements or not, why can't Citi simply foot the amount of the charge until the dispute clears? It's silly that they don't just give me the benefit of the doubt until the issue is resolved. I suppose there could be a MasterCard agreement saying they are not allowed to do this... but there are enough ways around that. Simply issuing me a temporary "goodwill credit" in the amount of the charge shouldn't violate any agreements.
I think Citi is having a learning curve with the Chairman Card. I am impressed they've done so well so far with such a new, fairly high-end product, and hope they do even better in the future.