"Higgs Boson" wrote
Ordered it from a place called "On-Line Fulfillment". $37.95,"free"
shipping. When it arrived, was defective. Called them for a return
shipping label.

Hah! That's how they get suckers like me.

1. They will deduct their original shipping cost

2. Plus they deduct 15% for return.

3. I pay return shipping - $8.++ plus hassle of repacking.

Sounds like you should call the credit card company and have then hold the
charges. You should not have to pay 15% restocking fee for defective
products.