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Like many have said, if the bank notices a habit of frequent chargebacks, they'll eventually say enough is enough.
As for amounts under $20, many banks will simply write off the amount and credit to the customer rather than going through with the chargeback. Typically, it costs a bank a lot more than $20 to file a chargeback.
Keep in mind that it's at the bank's discretion, so some banks will chargeback, and those that typically don't sometimes will.
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