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I have found that chargebacks are mainly legit. It's the refunds that piss me off. Most chargebacks really are fruad. I would say 85-90% of chargebacks are really an innocent persons card being used. Refunds, however, is a different story. Those are the fuckers that piss me off. With refunds, the most common excuse is a minor used the card. If they refund more than a few months at a time usually its an irate wife.
I wish billers were more stern about refunds.
Duke
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WHITE LIVES MATTER
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