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I recently had the same problem with the Madison Ave. store. I looked at a bracelet with an SA who knows me, and wanted to think it over before buying and asked him to hold it for me for a few days. I called a few days later to purchase, and he told me he couldn't take my VISA, only Amex, AND I had a store credit which he also refused to accept over the phone. I called another store and they had no hesitation whatsoever taking my VISA and the credit, and they shipped the item to me.