Brian,
I hope everything works out ok with your credit card company. This is the place. My first advice to you is to just spend some time here. The community is second to none, there is a TON of information here.

There are very high quality replica rolex subs but you will be shocked to find out how many other highly replicated timepieces there are out there. At the moment most of the companies are on a holiday so it's a great time to look around.

For your rolex question...the short answer is bk's noobfactory if you like the contemporary 116610 and the bk TW if you like the classic 16610

start here...
http://repgeek.com/showthread.php?t=...mariner+review
it's brief but it basically highlights your options. You were probably looking into getting a 16610, so with your budget read this thread
http://repgeek.com/showthread.php?t=124463

enjoy, I don't know that much but I'm glad to help with what I can.

cheers