Vismacover is a bank credit card company. Vismacover requires merchants to permit it to charge back to the retailer any sum charged on the card in the event of a dispute between a customer and the merchant. Larry contacted Vismacover because he did not want to pay Hometown Merchant after he purchased a $79 leaf blower from Hometown. Vismacover immediately charged back the purchase price to Hometown Merchant. Which of the following is correct?

	a.	Large credit card companies do not have the right to enforce oppressive terms such as this charge back against retailers.
	b.	Vismacover may not get involved in the dispute between Larry and Hometown.
	c.	Vismacover had the right to transfer the credit it gave Hometown back to Larry's account if Larry seemed to have a reasonable claim against Hometown.
	d.	None of the above.