Baker Gordon Plastic Surgery Show 2012:
One of the more interesting things I have heard this week at the Baker Gordon show pertains to credit card dissatisfaction clauses.
A Kentucky based surgeon informed me that there is a new trend in plastic surgery where patients are coming in and getting procedures, paying for them with a credit card and then turning around and citing the credit card dissatisfaction clause as a way to get out of paying for the surgery.
Let me give you an example. Mrs. Jones goes in to see her plastic surgeons for Botox or Juvaderm and the surgeon recomends the patient get 10cc’s of filler in order to achieve desired results. Mrs. Jones says she can’t afford 10cc’s and would like to get only 5. The Surgeon injects the 5cc’s of filler and sends the patient on her marry way. Patient goes home expecting her husband to notice a dramatic transformation and when her husband says he can’t tell she had anything done and further probes as to what she paid for this procedure, Mrs. Jones picks up the phone and calls her credit card company citing the “dissastisfaction clause” which basically says, if you can make a strong enough case for dissastifaction of goods or services purchased, the credit card company will not pay the provider. According to the surgeon I spoke with, this maneuver is all the rage in plastic surgery with everything from injectibles to facelifts.
The best definition I can find of the clause and what is required is explained in the below link: http://www.creditcards.com/credit-card-news/dispute-credit-card-product-merchant-1282.php
I knew it was possible to dispute fraudulent charges on your credit card but had no idea you could get away with something like this. Will be interesting to see how this flushes out with credit cards being one of the main forms of payment for cosmetic procedures.