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I think the scrub thing is an urban legend. I get an email when someone is scrubbed. Furthermore, I have a denial page the customer gets when they have been scrubbed, pushing them with a last chance backup processor. I can see the stats on when that form is hit, and on top of that customers email and ask sometimes when they do get scrubbed.
Bottom line - I don't think scrubs have ever amounted to more than 25% or so with CCBill for me, a big number yes, but not the reason for anybody's ratios falling off the earth.
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