chargebacks are a bitch
i can say this because i ran ccbills fraud department for 7 years
banks can do what they want, when they want to, in some cases after refunds have been issued against the same charges, and its costly to argue against what the banks throw at you
but ccbill gets charged fines for chargebacks, which they don't pass onto the clients, so your interests are aligned and they do their best to stop them
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