Ramjet, I may have spoken out of turn, but most of us use credit cards to purchase items, or money orders. Once the check or money order has cleared, just like the credit card, you have 30 days to dispute the charge. I have never had a problem with money orders, but I don't trust that either. Once the money order is cashed, and you do not have the product? Same senerio, as a credit card. You got Zip and he got your money. Cashed checks same thing.
Now how do you fight a Bank of America???????? You don't. You file complaints, and they do Zip on refunding your money after a certain time has expired. Well, In Mr Cohens instance, he has it timed , he waits until the required time, then charges you again, and you can't do anything about it!!!!!!!!!!!!!!!!!!!! Don't give me banking expertise please.