In my country there is a procedure to go through which involves the supplier before any CC money is refunded but I guess that there has to be a time limit, that makes sense. There are also small claims facilities but these are only viable if it's worthwhile which it's not for,say, under $1000. This has happened to me where I worked out that my $650 claim was not worth the cost and effort. All this is why I like using Paypal, I buy lots of stuff and have found that the Paypal dispute system works well.