I was giving an example of a more difficult situation to dispute, with card present and the person's personal information available for PIN reset. Electronic ch

I was giving an example of a more difficult situation to dispute, with card present and the person's personal information available for PIN reset. Electronic charges with card not present are easy to dispute anytime. You have as many protections as your issuer decides is good business to give you. You can dispute a transaction but they can rule against your claim. Try disputing a card present transaction in a Rite-Aid on a card with a $1000 limit and get back to us about consumer protections.