What can i Do? help

I purchase a Tambron lens 17-50mm from B&H in november 2009,
after a a month a saw a spot in the lens, and we sent it back to Tambron since it's under warranty,
Tambron saying it's a FONGUS on the glass which the warranty is not covering,
B&H cant help me either since the return policy is only 30 days,
the lens is brand new with a FONGUS spot and need a$200.00 repair,
the lens did cost $449.00
what would you do?
call the credit card company and complain?:embarasse
any suggestion will be appreciated
 
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