Quote:
Originally posted by CoolE
Well actually just this morning. Thanks for contributing to the conversation though.
1% CB is easy to keep under unless you fuck around with the members, like hide your cancel links or have automatic upsells (sign up once but you have to cancel twice), or have no content other than upsells.
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It's damn near impossible to keep charge-backs under 1%. I've been doing this shit since 1997, and I run as tight of site as humanly possible. If I get an e-mail to cancel an account, it's not done next week, it's not done tomorrow, it's done within 1 hour of the e-mail. Yet in Dec. 1999, when my first processor had his accounts frozen by both Visa and MC, while working closely with his daughter regarding my charge-backs, you wouldn't believe the stories she heard (some other posters have stories covered in a different thread). I had one guy cb with my old cc proc twice until I got him banned, then when I switched over to CCBILL, guess who was one of the 1st signups under my new processor? That's right, that same asshole. Naturally the first thing I did was refund his money and have him banned again.
I don't care how good you think you are as a webmaster, all it takes is a few asshole surfers or underage kids with daddys' cc to fuck up your cb ratio in 1 week, plus the fact we as webmasters using 3rd party scrubbers have no control over who is or isn't on their scrub list. Add to that Visa "No questions asked" on refunds, where do you think your cb ratio will be in a few months or a year. Wait until you get cb's from 6 months of logins that get cb 6 months after they non-renew, saying they never got the content, even though you have logs to prove it. I've been there, is has the majority of webmasters on this board. Why the hell do you think everyone is raising such a fucking ruckuss?
I've always had one of the lowest cb ratios possible (at least that's what I've been told), but I have no idea what it is at this point, but I would be surprised if it's not already hovering around 1%. There are goinng to be very few re-curring sites that can stay under 1% as long as Visa has such liiberal rules on refunds.
vik