Quoted from wcbrandes:
You are always going to be successful with your card company when this kinda crap happens and is reported but do not think for a minute these companies don't do their homework! Once they see the details and the fact you signed Roberts basic "your fucked" contract, I would be very surprised if anyone gets to keep their refunds. Sorry to say this and I know everyone deserves it back however you had the opportunity to cash out and once you rolled the dice the credit card companies are off the hook. Lets hope in some circumstances they miss this! Fingers crossed for all of you!
This is an interesting argument. I can certainly imagine the disreputable credit card banks utilizing this logic to rescind refunds.
Nevertheless, it's a specious argument. This is because refunds were essentially predicated upon delays as opposed to nondelivery. In other words, a buyer's deposit remained the consideration given in exchange for a nondelivered product. The fact that a buyer passed on one or more refund opportunities (while foolish) does not alter the immutable money for goods dynamic of the transaction.
The credit card companies can hang their hats on a variety of straightforward factors, particularly the long passage of time, to deny charge-backs. They probably don't need to dig deep into a refund time-line analysis to do so, if they're so inclined.
If a credit card company is consumer-oriented, all that will matter is that the deposit was taken and the product was not delivered (and never will be, given the SEC revelations and the closure of the deeproot facility). I imagine that credit card customers who regularly charge large sums to their cards will succeed, particularly with AMEX, whereas other cardholders will fail to recoup their deposits.