Quote:
Originally Posted by WiredGuy
Its rather easy to contest a charge, call the bank, tell them you didn't make the purchase and they'll send you a form and its pretty much reversed at that point unless they can prove you did in fact make the purchase (signature, delivery of goods).
WG
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Again, that is NOT what I experienced when my bank Visa/Debit card was used in another state to pay somebodies cable bill. I had to go to the bank, fill out the form, sit with a banker while they went over my account and basically spend about an hour at the bank during my working hours. Then it was still a month later before the money showed up back in my account as they were "investigating" it.
That's the point I'm making. If it's a mainstream purchase being disputed, the banks make sure to investigate it. If it's a porn site chargeback...they instantly okay it with extreme prejudice.