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it's not exactly a policy. it's a suggestion.
legally, a customer has the right to dispute any charge, despite the number of times he's done it in the past.
MC/Visa/Amex cannot refuse to do a dispute. What they do is advise the customer to deal with the merchant directly. If the customer insists on disputing with the CC company, they are legally obligated to fulfill the request. But they can also close the account at the same time.
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