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charly:
I once saw a faxed credit statement from a customer that had TWENTY (that's right) charges disputed, and he had been refunded by his bank for every one. They were all adult sites, the bank had let him charge back 20 internet charges and keep all his normal ones, i.e. Home Depot. We spoke to the bank and the lady actually said, and I quote...
"Oh, I know him. He's a good boy. He wouldn't be joining any adult websites."
It varies by card issuer, but charging back is about the easiest thing you can do these days. The biggest hypocrisy is that by charging back you are admitting that someone fradulently used your card. If it is a debit card the procedure is to destroy your card, dispute charges, and re-issue a completely new card. This is why the overall chargebacks on debit are almost negligible.
But when you say to your VISA/bank rep SOMEONE USED MY CARD WITHOUT MY PERMISSION rather than them saying oh my, someone malicious has your card number, we will cancel your card immediately, they say ok we will refund you for the charge.
If someone had charged my card 20 times for things I supposedly did not purchase, wouldn't that ring an alarm bell? Wouldn't the fact that I don't want a new card, I just want the charges remove ALSO ring alarm bells?
The VISA/MC liability policy is utter horse shit. They need to follow the same policies debit-issuing banks do. If you have a fradulent charge on your card, you get a new card. That would cut chargebacks to practically 0, since noone wants to go through that hassle.
VISA/MC are essentially enabling fradulent activity among their cardholders.
C.
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