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it annoys me that most cb's tend to be the smallest sums, like a $20 cb with a $25 fee on top just for the pleasure of receiving it
I tend to fight all cbs that I deem to be friendly fraud (which are most) and I almost always win. when a cb is actual fraud I never fight it, to me that seems unethical. it's usually pretty easy to tell the difference
I do contact the client (about half the time they apologize and work with me to resolve it), scour social media, linked it for details that match their payment info, speak to the contractor who performed the work. usually I can compile a pretty strong case and I think it helps that I don't just default dispute every cb that comes in
also observe patterns constantly and switch up your manual scrub if you find you're getting hit by a card thief, they can be pretty persistent and can do a lot if damage if their patterns are ignored
by far though I find cb's are just jerks that don't want to pay for what they buy and I refuse to let people steal from me without a fight
hope that helps
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