56hawk - sorry to hear about your order problem. Here's a short description of my claims process that you may also find helpful.
The post office has been very helpful so far, but I may or may not not get paid on the freight claim. First of all, they require a proof of purchase of insurance. Even the claims form lists this as one of the attachments they want. The clerk told me that sometimes the claims processor checks the receipt, sometimes he/she doesn't. Just depends on the individual, I guess. Montana Gold Bullets did not respond to my request for the insurance receipt, so that part is now up to just luck.
The second hurdle to overcome is whether or not the post office decides that shipping packaging was sufficient for that shipment. I saved all the box fragments that USPS gave me from the shipment in case they want to see what's left while evaluating my insurance claim. If they rule that MGB did not package or tape it sufficiently, or used a box without the proper weight rating seal, they can use this to deny the freight claim.
Complicating matters further is that my bathroom scale appears to be somewaht inaccurate with such low weights. USPS will weigh the bullets that remain for me, but I'd have to haul everything down to the post office (and stand in line, which is bad waste of time
)
If USPS denies the insurance claim, then your only recourse is with the credit card company. Mine has been VERY good to work with. The card claim period is short, so it is important to start the dispute right away.
At my request, they let me enter a card dispute for only a PART of the charge. Since most of my order arrived, I did not want to dispute the entire $700 charge. The credit card company is withholding a part of this from Montana Gold Bullets, so if USPS does not pay my claim, and I can show that I tried to get MGB's customer service to help, and Montana Gold Bullets were unresponsive, AND that I tried to get a reimbursement from USPS, then the card company will refund me a part of the purchase price.
The credit card told me they don't care what Montana Gold Bullets' refund or shipping policy is - they will reverse part of the charge based on my dissatisfaction with order regardless of the vendor's policy.
Don't worry about your credit card due date - my card rep told me they do not expect payment nor do they charge interest on the disputed amount. So basically, the USPS claim process seems "iffy" at best, but the credit card process feels like a sure thing