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Bottom line is pretty simple here. The issuing banks decide what they will and will not allow for chargebacks, regardless of Visa or MC policy. I've seen banks in the states allow for 9 months of Visa cb's before, so it does happen.
What many of you fail to realize is that CCBill (and every other processor) is also assessed an administrative fee for each chargeback they receive, so they are already in the hole before they even begin to dispute or refute something they have almost no chance of changing, but will incur administrative costs of their own to attempt a reversal. They do NOT pass this fee along to the sites that incur these chargebacks at the moment, so they actually lose money on the transactions at this point.
If someone has their own merchant account, it may be worth it to them to attempt to refute cb's, since they more than likely don't do very many transactions... the large programs running on their own merch accts don't particularly attempt to dispute cb claims either from what I've seen over the years, it's simply not worth spending more money than you are already paying for it.
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