In this issue

Jonathan Tobin: Defending the Right to a Jewish State

Heather Hale: Compliment your kids without giving them big heads

Megan Shauri: 10 ways you are ruining your own happiness

Carolyn Bigda: 8 Best Dividend Stocks for 2015

Kiplinger's Personal Finance editors: 7 Things You Didn't Know About Paying Off Student Loans

Samantha Olson: The Crucial Mistake 55% Of Parents Are Making At Their Baby's Bedtime

Densie Well, Ph.D., R.D. Open your eyes to yellow vegetables

The Kosher Gourmet by Megan Gordon With its colorful cache of purples and oranges and reds, COLLARD GREEN SLAW is a marvelous mood booster --- not to mention just downright delish
April 18, 2014

Rabbi Yonason Goldson: Clarifying one of the greatest philosophical conundrums in theology

Caroline B. Glick: The disappearance of US will

Megan Wallgren: 10 things I've learned from my teenagers

Lizette Borreli: Green Tea Boosts Brain Power, May Help Treat Dementia

John Ericson: Trying hard to be 'positive' but never succeeding? Blame Your Brain

The Kosher Gourmet by Julie Rothman Almondy, flourless torta del re (Italian king's cake), has royal roots, is simple to make, . . . but devour it because it's simply delicious

April 14, 2014

Rabbi Dr Naftali Brawer: Passover frees us from the tyranny of time

Greg Crosby: Passing Over Religion

Eric Schulzke: First degree: How America really recovered from a murder epidemic

Georgia Lee: When love is not enough: Teaching your kids about the realities of adult relationships

Cameron Huddleston: Freebies for Your Lawn and Garden

Gordon Pape: How you can tell if your financial adviser is setting you up for potential ruin

Dana Dovey: Up to 500,000 people die each year from hepatitis C-related liver disease. New Treatment Has Over 90% Success Rate

Justin Caba: Eating Watermelon Can Help Control High Blood Pressure

The Kosher Gourmet by Joshua E. London and Lou Marmon Don't dare pass over these Pesach picks for Manischewitz!

April 11, 2014

Rabbi Hillel Goldberg: Silence is much more than golden

Caroline B. Glick: Forgetting freedom at Passover

Susan Swann: How to value a child for who he is, not just what he does

Cameron Huddleston: 7 Financial Tasks You Should Tackle Right Now

Sandra Block and Lisa Gerstner: How to Profit From Your Passion

Susan Scutti: A Simple Blood Test Might Soon Diagnose Cancer

Chris Weller: Have A Slow Metabolism? Let Science Speed It Up For You

The Kosher Gourmet by Diane Rossen Worthington Whitefish Terrine: A French take on gefilte fish

April 9, 2014

Jonathan Tobin: Why Did Kerry Lie About Israeli Blame?

Samuel G. Freedman: A resolution 70 years later for a father's unsettling legacy of ashes from Dachau

Jessica Ivins: A resolution 70 years later for a father's unsettling legacy of ashes from Dachau

Kim Giles: Asking for help is not weakness

Kathy Kristof and Barbara Hoch Marcus: 7 Great Growth Israeli Stocks

Matthew Mientka: How Beans, Peas, And Chickpeas Cleanse Bad Cholesterol and Lowers Risk of Heart Disease

Sabrina Bachai: 5 At-Home Treatments For Headaches

The Kosher Gourmet by Daniel Neman Have yourself a matzo ball: The secrets bubby never told you and recipes she could have never imagined

April 8, 2014

Lori Nawyn: At Your Wit's End and Back: Finding Peace

Susan B. Garland and Rachel L. Sheedy: Strategies Married Couples Can Use to Boost Benefits

David Muhlbaum: Smart Tax Deductions Non-Itemizers Can Claim

Jill Weisenberger, M.S., R.D.N., C.D.E : Before You Lose Your Mental Edge

Dana Dovey: Coffee Drinkers Rejoice! Your Cup Of Joe Can Prevent Death From Liver Disease

Chris Weller: Electric 'Thinking Cap' Puts Your Brain Power Into High Gear

The Kosher Gourmet by Marlene Parrish A gift of hazelnuts keeps giving --- for a variety of nutty recipes: Entree, side, soup, dessert

April 4, 2014

Rabbi David Gutterman: The Word for Nothing Means Everything

Charles Krauthammer: Kerry's folly, Chapter 3

Amy Peterson: A life of love: How to build lasting relationships with your children

John Ericson: Older Women: Save Your Heart, Prevent Stroke Don't Drink Diet

John Ericson: Why 50 million Americans will still have spring allergies after taking meds

Cameron Huddleston: Best and Worst Buys of April 2014

Stacy Rapacon: Great Mutual Funds for Young Investors

Sarah Boesveld: Teacher keeps promise to mail thousands of former students letters written by their past selves

The Kosher Gourmet by Sharon Thompson Anyone can make a salad, you say. But can they make a great salad? (SECRETS, TESTED TECHNIQUES + 4 RECIPES, INCLUDING DRESSINGS)

April 2, 2014

Paul Greenberg: Death and joy in the spring

Dan Barry: Should South Carolina Jews be forced to maintain this chimney built by Germans serving the Nazis?

Mayra Bitsko: Save me! An alien took over my child's personality

Frank Clayton: Get happy: 20 scientifically proven happiness activities

Susan Scutti: It's Genetic! Obesity and the 'Carb Breakdown' Gene

Lecia Bushak: Why Hand Sanitizer May Actually Harm Your Health

Stacy Rapacon: Great Funds You Can Own for $500 or Less

Cameron Huddleston: 7 Ways to Save on Home Decor

The Kosher Gourmet by Steve Petusevsky Exploring ingredients as edible-stuffed containers (TWO RECIPES + TIPS & TECHINQUES)

Jewish World Review April 15, 2008 / 10 Nissan 5768

Put up or shut up for card companies

By Vicki Lee Parker

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http://www.JewishWorldReview.com | (MCT) For years, credit card companies have bragged about their dispute policies - you know, the ones that let customers challenge charges on their accounts when the services aren't rendered or a product was otherwise misrepresented.

Now the dispute policies will be put to a real test as thousands of travelers try to recoup money from troubled airlines that recently went bust, including ATA, Skybus, Aloha and Frontier.

No doubt when it's all said and done, this problem will show consumers just how serious credit card companies are about customer service.

Lindy Marshall, who lives in Johnston County, N.C., is hoping to get a refund of $5,000 for five tickets she bought from ATA Airlines with her Wachovia Visa credit card.

For the past five years, she and her husband Mike have saved to take their entire family in August to Hawaii on their 25th wedding anniversary. Without a refund, the trip will be canceled.

"I can't afford to spend another $5,000 on tickets," Marshall said.

Marshall said she called Wachovia on April 5 and again Monday. She was told in a company e-mail message that she had to complete dispute papers, which would be mailed to her within 30 days. After that, it could take an additional 90 days to resolve her case.

Wachovia spokeswoman Christine Shaw said that is the bank's policy for purchases bought with a Wachovia credit card.

Typically in these cases, if a consumer bought tickets with a credit card, he or she should get a refund. But given the enormity of the situation - complicated by airlines seeking bankruptcy protection - that's a big if.

"In general, the ... (dispute policy) is a great benefit and usually works quite well," said Curtis Arnold, founder and director of CardRatings.com. Credit card companies "typically get the money back. They can get results that the average consumer can't get."

A couple of credit card companies have said that their dispute policies are still in effect and that they offer instant refunds while charges are being disputed.

"When customers dispute a charge, they receive an immediate credit or reversal of charges," Chase spokeswoman Megan A. Stinson said. Chase customers can dispute charges online, by phone or by mail.

Discover gives customers a credit while it investigates a dispute, spokeswoman Laura Gingiss said.

Disputes are usually resolved within 30 days, she said.

Attempts to reach Visa, Master Card and American Express representatives for this column were unsuccessful.

Gingiss explained that because the merchants are the credit card company's customers, too, they have agreements that aid in resolving disputes.

For those who bought tickets with cash or check, the chances of a refund are bleak. Those customers will have to try to recoup their money in bankruptcy court, where they will likely be at the tail end of a long list of creditors - and unlikely to get any of the remaining cash.

There is still a question for people who paid with debit cards.

Ellen Cannon, managing editor of Bankrate.com, said based on recent conversations with representatives at Visa and MasterCard, the companies intend to offer the same protection to debit card users that they do to other credit card customers.

"You should be able to dispute a debit charge just like you would a regular Visa or MasterCard," Cannon said.

But some bank analysts say that might not be so easy. Getting a refund through a debit card depends on the banks' cooperation, Cannon said. Ultimately, the bank is the creditor, and it would have to put the funds back into the checking account.

For consumers, this refund issue is going to be a good lesson in customer service. For credit card companies, this will be a chance to shine by proving how well they protect their customers.

Whether you have charges in dispute or not, it's important to pay attention to how these customers are treated. The credit card companies that offer instant credit, resolve the dispute quickly and side with the customer are the ones I want to do business with.

Ditto for Marshall.

Every weekday JewishWorldReview.com publishes what many in in the media and Washington consider "must-reading". Sign up for the daily JWR update. It's free. Just click here.

Vicki Lee Parker is a columnist for The News & Observer. Comment by clicking here.


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