A credit card may provide useful dispute options, but it is not a universal fit or refund guarantee. Nondelivery, nonacceptance and dissatisfaction with accepted goods can involve different rules.
CFPB guidance says a charge for goods not received or not accepted may qualify as a billing error. Regulation Z distinguishes that from a dispute about the quality of goods the consumer has accepted. (consumerfinance.gov)
For billing-error procedures, the FTC advises sending the written dispute so it reaches the issuer within 60 days after the first bill containing the error was sent. Contact the issuer promptly rather than assuming the clock starts at your final fitting or eventual delivery. (consumer.ftc.gov)
Separate claims-and-defenses rights can carry conditions, including geographic limits. The CFPB's current Regulation Z text specifies same-state or 100-mile conditions for the relevant provision, subject to exceptions; an overseas purchase should not be assumed to qualify automatically. (consumerfinance.gov)
Before a substantial deposit, ask the issuer about its applicable dispute procedures, overseas transactions, delayed custom delivery and documentation requirements. Retain the order, payment record, correspondence and any written remedy offers. Neither statutory protections nor a card-network process guarantees a successful outcome.