File a chargeback. Show your credit card company the return policy and how you didn't violate it, and you will get your money back.
This is precisely why you should always pay with a credit card online.
This is precisely why you should always pay with a credit card online.
Please be sure you legitimately feel that Newegg violated their return policy before exercising this power.
Seems to have been big news in the UK. Having trouble finding the same for the US, though.
It's provided as a service sometimes, but the legal obligation is very different (essentially absent altogether), as are the incentives.
With a credit card, the 'default' is that you don't pay the credit card company (and you have no reason to), so they lose out on the money unless they get it back from the merchant.
With a debit card, the 'default' is that the merchant wrongfully holds onto the money, and unless they get it back, you lose out on the money. Since they have no legal obligation to settle that dispute even when the customer is in the right, they may not, in which case you (the debit card consumer) lose out.
From an outsider trying to reason why that's the case, this is what I've come up with: when you pay with a debit card, the money was yours, and now it's theirs: it's effectively an immediate transfer from your account to the recipient's account. When you pay with credit card, on the other hand, you promise the credit card company to pay some amount of money, and the credit card company promises to pay the merchant some amount of money. Credit card companies pay merchants in batches, not for each individual transaction, and so there's a significant amount of time before any money actually changes hands. Furthermore, even if you contest a charge after money has changed hands, the credit card company will simply withhold the contested amount from the next batch payment to the merchant, who is under contract with the credit card company to resolve the dispute appropriately or simply lose the money.
Credit card companies have a lot more leverage than individuals to lean on companies to respect their own return policies.
See my above reply - they may provide similar services as if as a "courtesy", but the legal obligations for both parties are very different with credit and debit cards (very much in the consumer's favor, if the consumer is using a credit card).
Not just leverage, but an obligation. Or rather, even if your debit card says Visa or Mastercard on it, they have no legal obligation to get your money back. You don't have an obligation to pay the merchant, but the impetus is on you to get your rightful money back (the debit card company may help, but they are not required to).
With a credit card, they don't exactly have an obligation either, but this time it works in your favor - it's the credit card's money, not yours, and while you still have no obligation to pay the merchant, this time it's the company's money that is on the line (the collateral, so to speak). So they will fight tooth-and-nail to get it back, because technically if they don't, they can't collect any money from you.
(They may still try, but then you have to weigh the cost of a legal battle with them as well).
Think of this in the context of theft/fraudulent use of your card, and you'll see why debit cards are very risky indeed. (Remember that, even if you manage to get chargebacks on your debit card, you may still be liable for the fees for the temporary, eventually-reversed overdrafts!)
But the my vs. the bank's money is the reason I use my credit card almost exclusively for in person and online purchases. If I go to the Kwick-E-Mart, and pull out my PayPass (or other RFID) enabled credit card and someone snipes my credit card number from it as I swipe for cheetos, I'm fine if it's a credit card. They can run up 20k in charges on my credit card and I don't care (even if the credit card company doesn't stop it), I'll call my bank and tell them that they need to fix that, and probably go find a bad guy, also, I'm not paying that.
If they run up 20k in charges on my debit card before I or my bank notices, I am missing $20,000 from my account. Then I have to hope that the bank can and will fix it before my bills are due.
If used properly credit cards are month long interest free loans with no risk if someone steals the loaned money. Debit cards are wooden door to your bank account with a really aggressive, sleepy, deaf hound that you have to sic on the bad guys after you realize your money is gone.
"Visa, accepted everywhere," I always thought, "Yeah, and everywhere Visa is accepted so is MasterCard." Apparently, that is not the case.
Just FYI, if you're traveling to a developing nation, make sure that your ATM/debit card will work to extract cash from your account.
And regardless of the law, it kind of makes sense. A debit card transfers money directly from your account to the vendor's account. With a credit card they have to get the money from Visa, and Visa has to get the money from you. If you say, "This isn't what I wanted, I'm not paying," it doesn't matter with a debit card because the money is already gone. Visa isn't going to get screwed, so if you threaten not to pay, they're not going to give money to the vendor until it's settled.
[1] https://en.wikipedia.org/wiki/Truth_in_Lending_Act
[2] https://en.wikipedia.org/wiki/Electronic_Fund_Transfer_Act
http://www.ftc.gov/bcp/edu/pubs/consumer/credit/cre04.shtm
This page relates to your maximum loss if you lose your card, but it also details that the two instruments are governed by different laws.
If you lose your credit card, your max liability is $50. But if you lose your debit card, there's a sliding scale of liability (going all the way up to, "your entire balance") depending on how soon you notify your bank.