Maybe the CC processors should make an option of sending an email to members that haven't logged in for X number of days?
Like if a member hasn't logged in for 10 days, an automatic email goes out that says something like:
"Hey! We've missed you over at
www.xyzpaysite.com , in case you forgot, here are your login details:
user:
pass:
Come by the site and check out our new pics and videos!"
Keep your members involved with your site and they'll be much less likely to charge back IMO.