GoFuckYourself.com - Adult Webmaster Forum - View Single Post - FYI Someone can chargeback up to a years worth of a membership..

Adraco · 09-29-2010, 02:58 AM

I don't even think it stops at one year.

Most credit card applications and terms of services that I have read, and I've read quite a few over the years for different clients, have a section about the customer's responsibilities.

One of those responsibilities are usually worded something like
Customer is responsible for charges made to the card, unless he acts in "reasonable time" to alert the company of any such charges.

Keywords here, "reasonable time", and that is really up to each bank to set a limit to what would be reasonable time. If a user has a good number of carges to his credit card, say over 50 per month, anyone who's a bit educated can make up a good excuse of how easy it is to miss a once per month small charge to your card.

If you're otherwise a good customer, paying your bill on time, circeling a good amount of money each month through your card, you will easily get either the full amount or the majority of it back. You cant pull that shit every month, but once or twice, without problem and the bank will be on your side.

The merchant has an obligation to inform oneself about matters like this. By choosing to accept credit cards, this is a risk you also choose to expose yourself to. If you didn't know, that's your own fault. I can appreciate that it feels bad and sucks when it happens, but after all it's about business. Credit cards make for an easy sale and sign up, but also comes with a risk.

If you do not like that risk, have members sign up by mailing you a check instead for each month of their membership. Let me know how that retain for you...

09-29-2010, 02:58 AM
Adraco Confirmed User Industry Role: Join Date: May 2009 Location: Onboard an airplane around the globe Posts: 3,734	I don't even think it stops at one year. Most credit card applications and terms of services that I have read, and I've read quite a few over the years for different clients, have a section about the customer's responsibilities. One of those responsibilities are usually worded something like Customer is responsible for charges made to the card, unless he acts in "reasonable time" to alert the company of any such charges. Keywords here, "reasonable time", and that is really up to each bank to set a limit to what would be reasonable time. If a user has a good number of carges to his credit card, say over 50 per month, anyone who's a bit educated can make up a good excuse of how easy it is to miss a once per month small charge to your card. If you're otherwise a good customer, paying your bill on time, circeling a good amount of money each month through your card, you will easily get either the full amount or the majority of it back. You cant pull that shit every month, but once or twice, without problem and the bank will be on your side. The merchant has an obligation to inform oneself about matters like this. By choosing to accept credit cards, this is a risk you also choose to expose yourself to. If you didn't know, that's your own fault. I can appreciate that it feels bad and sucks when it happens, but after all it's about business. Credit cards make for an easy sale and sign up, but also comes with a risk. If you do not like that risk, have members sign up by mailing you a check instead for each month of their membership. Let me know how that retain for you... __________________ ---------------------------------------------------------------------------------- The truth is not affected by the beliefs, or doubts, of the majority.