I bought something overseas on this card ($500+) and it turns out the item is fake (I know, I know) and I want to dispute the charge.
I tried and they told me that I need to try to return the item before I can continue with the dispute and I explained that I don't really have any way of returning it since the merchant is in a different country.
They offered me a chance to do a goodwill credit but they said if it's denied then the dispute will be considered closed.
So, should I take a chance with the goodwill credit or HUCA?
Thanks!