[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.