Originally Posted by JMScore

Basically, you need to sell something to have a transaction count in the banks eyes. A buck, three bucks, whatever....but a free trial is essentially *air*. Most will send an auth on a free trial but an auth does not count towards cb ratios; only settles do.

So if you have a surfer who signs up for a free trial, then converts, you have one sale and if he charges back you have a 100% cb ratio on him.

Another benefit to low cost trials is that many banks will not charge back a low dollar sale as it isn't worth their time. So if the above example was a one dollar trial you would likely have a 50% cb ratio...big difference.