I put a laptop that would not get past boot-up in what VISA calls a dispute. They told me to send the laptop back to the party that sent it to me. In 30 days I had a credit for the full amount on my VISA. I think I did this in a couple of weeks after my GURU couldn't figure it out. I don't know if there's a time limit to put something in dispute with VISA or not. I might add that this was through Pay Pal. Pay Pay asked me not to do this but that next time put the dispute in with them. However, I heard that they takes months to resolve a dispute.