LOL - yeah it does seem like that.

Basically, people get their statement anywhere from 10-30 days after the day of purchase.

Then, let say another 10-20 days for them to call their credit card company and start the process.

Then, another 2-6 weeks for the request to hit your desk...

best advise I can give anyone is keep very clean records. You can fight certain chargebacks, even if you dont have a signature. The process is long and difficult, so I wouldnt bother for a $10 transaction...but if its a couple hundred or more, it may be worth your while....