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Not sure how you are still able to take transactions with a 3% CHB
Visa USA I think is maxed at 1% EU maxed at 2%
If you can look at the geo locations of your charge backs and ask yourself if there are some you want to just block,
Look at your webmasters and look at each ones chb rate for the past year, ban some of the righer ones
Look at your own traffic sources, remove ones with overly high chb rates
You have 1 prechecked cross sale going out and 1 unchecked to yourself..
Doing so can cause you to endup with more chb's negating the $ gained (do the un-checked sites have a higher CHB rate than you like if so consider removing it for for a time to see if that number drop helps you
Place a link to your support in tour footers and in members areas
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