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An American tourist fell in love with a coat at a European boutique, but left without buying it. Back home, she regretted her inaction and made a transatlantic call to the store.

“Remember me?” she asked the owner. “Of course,” he replied.

Fortunately, she was able to tell him the name of the coat’s designer. She also recalled (or thought she did) what the garment looked like. Within days, the store sent a written description of the coat, quoting a “sale” price. Thrilled with her unexpected bargain, the customer immediately confirmed the order by phone and charged it to her American Express^® Card.

When the coat arrived, the only thing it had in common with the one the woman remembered was its designer label. And, of course she couldn’t return it, because the merchant was able to demonstrate that he had followed one of the cardinal rules of shopping abroad – “put it in writing.”

The disappointed shopper, on the other hand, had relied totally on her memory to describe the coat she thought she was getting. Now, her bargain didn’t seem like one anymore. She regretted not having obtained a written description from the store during her visit there, to have on hand if she decided to order long-distance later.

Get the specifics in writing!

The story of the unwelcome bargain illustrates just how valuable detailed documentation can be, especially when shopping abroad. It’s equally essential whether shopping in person, or long-distance. Don’t just settle for a charge or credit card slip or a cash register tape. Ask the merchant to write as many identifying facts as possible on a receipt marked with the store’s name, address and phone number.

For instance: what precious metals and gemstones your newly purchased jewelry contains; or whether a rug is made of silk, cotton, wool, or a blend. For an antique or art object, insist on an expert’s authentication.

Countries have different policies on refunds and exchanges

The U.S. Fair Credit Billing Act allows you to dispute a charge (even one made overseas) and temporarily withhold payment while the card company investigates. But it doesn’t guarantee a refund if the merchant has a “no refund” policy or local law does not require giving one. (Some overseas establishments even have this policy printed on the card receipt and your signature implies your agreement.)

An item that arrives damaged, or is recognizably different from the description on your written receipt, will probably be replaced. But, don’t ship a purchase back overseas until the merchant authorizes it in writing. You could be liable for fees and duty.

Do your basic research before leaving home

If you’re determined to find the perfect jewelry, rug or artwork while abroad, learn how to recognize quality and assess prices before you get on the plane. Tuck your research notes into your wallet, along with a list of basic currency conversions. You may also want to bring a clothing size chart.

Another vital task before you begin your journey -- visit the U.S. Customs website for information on restricted or prohibited merchandise and countries of origin. Also, review the procedures covering duty-free allowances and Value Added Tax (VAT) refunds.

Read the small print on the shipping agreement

It’s usually safer to bring your purchases home yourself. Otherwise, make sure that the merchant can provide a shipping agreement that fully insures your acquisitions and will eliminate as much hassle as possible.

August 12, 1999

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