Thanks! This is helpful information!Don't give up with the cc company. There is an appeal to Visa/MC if the first part doesn't go in your favor. I opened a dispute 12/30/2014 and it took until March 20, 2015 to get it resolved. I also contacted my States department of Consumer Affairs and when through their complaint process. I won on the basis that the transaction was illegal. Merchant was fighting the he said she said process. Visa ruled it an illegal transaction which is prohibited under their card processing agreement with merchants. Good luck and no Gilt shopping for me. Thanks for the warning.