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Credit Cards---Purchasing by Mail or Telephone
If you use your bank issued credit cards when ordering merchandise by mail or telephomne and find the products to be defective or to have been misrepresented by the seller, and if the seller itself will not issue a credit, you have the right to withhold payment for the merchandise until the dispute is resolved. According to federal law, payment can be withheld only if the purchase exceeded $50 and occured in your home state or within 100 miles of your billing address. As state law varies as to the remedies for consumers when the merchandise is under $50 and if a telemarketing transaction is considered to be in your home state, where you received the call or outside your state, you may wish to check with your attorney for your legal rights.

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