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Friendly fraud is rampant, I'd guess it is probably the single most important factor in chargebacks.
Most porn surfers in this day and age are not stupid, they understand it is either cancel or be rebilled -- that is the reason SO many surfers cancel immediately -- they never even look at the members area until after they have cancelled.
Hell, even my 11 year old can explain what a free porn tour is versus signing up for something, much to my surprise and dismay over this holiday.
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