Does any one know how the "Special Rule" for credit card purchases works, aside from the 1 paragraph that is on the discloseures. I have had numerous problems with charges to my accounts, and have mentioned this to the people @ the customer service centers, and they seem to dance all around it, it seems like they don't want to be bothered, unless my card was used improperly,<stolen>. Who regulates this rule anyway? It seems like it is open to a lot of interpretation, on the part of the issuer, and they will usually side with the merchant first. Any input would be greatly appreciated.