Preview — The Goal
🎯 The Goal: The package arrived smashed, the seller went silent, the 'merino wool' sweater is plastic, or a charge you never made appears on your statement. Most people eat the loss. But every credit card carries a legal superpower most owners never fire: the CHARGEBACK — your bank forcibly claws the money back from the merchant's bank. It's not a favor; for fraud and non-delivery it's your RIGHT under federal law (Fair Credit Billing Act). You just have to run the sequence correctly.