[loloquwowndueo]

I’m sometimes surprised at how easy it is to do a chargeback in the US. So much so that a lot of folks just click that button instead of reaching out to the vendor first.

In here (not the US) a chargeback is such a chore that I would only do that as a very last resort.

[anonzzzies]

Not sure which is better though; as a former internet vendor, we blocked cc payments from the US for this very reason. Rather have less clients than being that easily scammed. Here it is too hard, there it is too easy. But hard does mean you have to think about it at least and not 'oh I made an impulse buy, remorse, let's chargeback'.

[bdangubic]

credit card company’s primary purpose is to protect me, I am making them a ton of money. hence, they should ablige to my every request (stop payment being number one on the list). insane they won’t help you without a ceremony. I never talked to the vendor first, the first thing I do is stop payments through my credit card and then I reach out to vendor.

[anonzzzies]

Not sure if making a company a ton of money has anything to do with obliging anything. Many companies I ship money to (this post for AWS for instance) won't do anything for you at all, except, hopefully mostly, provide the service you paid for. If the credit card company (or it's AI) has any reason to not help you, they won't, guaranteed.

[AdelaideSimone]

Stop payment isn't the same as a chargeback, though.