I am curious:
I placed a credit card order with a merchant late last year for a subscription service as a Christmas gift. It was an "X of the month" style subscription for a family member, of six months length. To date, the merchant has made exactly two shipments, promises the moon, but refuses to follow through on my complaints.
I am strongly considering disputing this through the credit card as that is the only way I believe I will ever get satisfaction at this point. The original purchase was in the range of a few hundred dollars, so an equitable refund would be about 2/3 that amount. All parties (merchant, credit company, myself) are in the United States.
My question is this: What effect, if any, might this have on my own credit score?