take that $120 as a pie falling from the sky, and run

remember it's you who signed on the contract, you're responsible for it, and credit card issuer will honor it and will not re-negociate another dollor amount for you. of cause you can file a dispute but you will loose in the end. this will show up in your credit report, and you'll have to settle it if you need financing for car, home loan, ect.ect.. it is a big deal (to me, at least). keep in mind, you're not the first, surely won't be the last to fall in. now it's time to celebrate that extra $120 :)