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There can be many reasons. Its usually the cheap ass users them self. they sign up at nights when they are freaking horny and in the morning they realize shit I don't wanna pay $30 and do a charge back.
When we ran our own sites we took few steps which helped us keep these kind of chargebacks out.
If you are an affiliate I doubt you have any control over this .
1. Gave $3 trial first , they can use this for just 3 days. Not many bother to chargeback when they did this.
2. We also created our own blacklist of billing addresses, so if you did a chargeback once you are never allowed to use our system.
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