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How the fuck can you idiots not know that it is the bank that issue credit card which is responsible for initiating the customer chargeback? Has nothing to do with CCBill. They can try to fight but it basically means that the bank has to take sides with their customer in a dispute about virtual goods. That almost never happens. Only other way is to argue with the card holder and get him to call his bank and reverse it which also almost never happens.
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