Originally Posted by TheDoc

The credit card companies scrubbing is only part of it, a small part. Scrubbing happens offline too. While one of the two major processors does have double the declines, the amount or adjustments they make to the scrub is BS. No statistical trend has ever proven this and people have been using the same companies for years.

Yes, its true both may scrub more now, but it?s because the ban / decline lists are large and getting larger. Every refund, chargebacks, complaint, problem, even when a member right, the site did suck, he couldn?t get in.. its still a blocked account that never gets purged.

That?s scrubbing.