[thejazzman]

Your credibility is shot when you claim that banks will just give you money. They absolutely do not. In fact, Discover has admitted to me in writing, that they always rule in favor of the Merchant if that Merchant responds to the dispute -- regardless of what their response says.

I've dealt with multiple chargebacks over the years and have only ever lost once -- when the Manager at Lowes' showed a check they wrote me [after I opened the dispute].

They absolutely do not just do anything and "write it off". Please be human and don't just rattle of high-confidence, baseless claims, especially as a giant billboard to Privacy.com

[sho]

> Discover has admitted to me in writing, that they always rule in favor of the Merchant if that Merchant responds to the dispute -- regardless of what their response says

What, always? Like, literally 100% of the time if the merchant responds at all, they automatically win?

That's very hard to believe. I don't know Discover but I do know Visa and that's not how their system works at all.

[conductr]

I use Amex as much as possible because it’s basically never a fight. If I dispute, I get my money back. Granted, I don’t abuse the power so maybe I’ve earned some trust over the decades.

[ddtaylor]

Wells Fargo, Chase, Capitol One, many others practice this provisional credit system, which functions very similar to an insurance.

Go read your banks terms and you'll find the provision. Do you want me to read your banks terms for you and point them out?