Merchant

• Most merchants have return policies, and if you politely explain that you have changed your mind, the merchant may refund your money right away. If you have made a purchase online or via the telephone, contact the merchant immediately. You may be able to stop your order from being mailed to you.
  
  

Buyer Protection Programs

• Many credit card companies offer buyer protection programs that allow buyers to return merchandise for full credit if they are in any way dissatisfied. If a merchant refuses to refund your money, contact your credit card company. They may be able to intervene on your behalf.
  
  

Cooling-Off Law

• If you made your purchase through a door-to-door or direct salesperson, and you paid at least $25 for your merchandise, federal law gives you three days to change your mind and request a refund.
  
  

Fair Credit Billing Act

• Under the Fair Credit Billing Act, if you make a credit card purchase of at least $50 from a merchant that is in your state or less than 150 miles away from where you live, you may not have to pay for shoddy goods or services. You must first try to negotiate with the merchant for a refund. However, if the merchant does not cooperate, you can send written notice to your credit card company stating that you won't pay the portion of your balance that reflects that purchase. Be aware, however, that a merchant may try to dispute your refusal to pay, and you may have to prove your claims of bad goods or services.
  
  

Warning

• Be aware that even if you succeed in getting a refund, you may have to wait a billing cycle for a refund to be applied. Thus, your available credit may be reduced while your refund goes through.