From The New York Times, an article by David Segal about getting screwed by American Express:
You have 540 days to request a refund, starting 541 days ago
When buyers stiffed by a bankrupt wine store asked American Express for a refund, the company declined, citing a 540-day window with an uncertain start time.
Rico says he doesn't have an Amex card, for this, among other reasons...
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