I made a rather stupid mistake the other day and agreed to join the Cambridge Who's Who organization over the phone. About 3hrs after I hung up I realized my mistake and tried calling back, I left a message stating that wanted to cancel and emailed the lady to cancel my membership and refund my cc. (The charge was a little over $800 and was done immediately) So far I haven't heard back, this was 2 days ago. I've emailed and called since then with no response. The charge on my cc say Cambridge Who's Who and I've contacted my bank to dispute the charge (which they are working on). My question is, do I have any refund rights here? They didn't say it was non-refundable and this whole thing was done over the phone, so I didn't sign anything. Is there a 24hr grace period in these kinds of things or some law that governs this? (FYI, they are located in New York and I'm in South Carolina) Thanks!