[a12432]

AMEX is what provides that solution, and fine the merchant as a bonus. It's called disputing a charge. Other cards have the option too, but AMEX will fight for you the most. I've literally had merchants issue a partial refund, disputed the original charge, and ended up with bonus money, multiple times.

There is a cost to using credit cards. One of the main reasons to use them is this protection against bad actors, and punishment of those actors by fines.

[tinus_hn]

Reversing the charges doesn’t work with Facebook because they will block your account and for most people that’s not an option. And Americans Express is not going to fine Facebook or suspend their merchant account. That’s for small merchants.

[drilldrive]

Why do people put their cards on Facebook then? It is absolutely not safe to do, especially if you have (young) children.

[fredophile]

I doubt even a company like Facebook is very big by credit card processing standards. Visa and Mastercard constantly run a huge amount of money through their systems. If your fraud rate goes above a certain level they give you a warning. If it stays too high they'll cut you off.

[a12432]

Yeah, a company that stored your credit card number and charged it w/o your permission - don't want to get blocked by someone like that. Definitely never an option for most people.

[acct1771]

>I've literally had merchants issue a partial refund, disputed the original charge, and ended up with bonus money

...why is this ethical?

[hyperman1]

As an European who rarely sees credit cards, I always wonder if this is USA only? How do you dispute a charge?

My web banking platform has options for almost everything, but not much credit card related. Do I contact my bank, or do I go straight to VISA?

[matthewheath]

You should usually contact your bank and dispute one of the charges on your bank statement (that's how it seems to work in the UK, at least.)

[Cu3PO42]

You can dispute CC charges in Europe as well. All of my cards specify that I should do this as soon as possible, but no later than one year after the charge.

I have never needed a chargeback, but I had a peek at MasterCard's policy just now and it looks like you need to contact the issuing bank. I would assume it works the same for other four-party schemes such as Visa.

[a12432]

I click dispute in my online statement, check a couple of checkboxes to verify type of transaction, and write 1 line of why. Takes 30 seconds. Visa is not good for this, so I never use a Visa.