I too have shopped at Ten Dollar Silver but used cash and bought 2 pair of earrings for $10 each. I had to bargain for that price. The store name is deceiving as they only have mostly tiny items for $10 but we got some nice long dangle earrings for $10 each after negotiating. I would complain to my credit card company and fight the charge. I always try to use cash for the trinkets I bring home from Mexico...And always always negotiate the price. The later in the day it is, the lower the price you can get.