maybe you can do a chargeback directly thru your credit card without having to go into the bank - without even having to talk to anyone at your branch...I really sweat buying anything without using paypal or something. I hate paypal and their dumb fees, but I feel more secure using them. A friend of mine just got ripped off by a craft store...the oriental trading company or something...seems someone hacked into their system and took their customers info...it's been a mess for about a week now....