To be fair I give just about anyone and their dog my CC number. Chargebacks work and my life is that little bit easier for it.

Playing Jason Bourne with your credit card number is not worth the effort if you ask me.

I would even say this is a net positive for the economy: the cost of fraud is outweighed by the lower barrier to payment. I'm sure you'd have made fewer sales had people been more worried about security. Net positive then, right?

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alvah 4 days ago | parent [-]

Depending on which country you're in and which bank you're with, chargebacks are nothing like as straightforward as they used to be. I just completed yet another one, which involved 2 separate phone calls totalling over an hour (so probably not worth it on a $/hour basis), accepting the risk that if Visa rejects the claim I'm liable for a further $50 charge (this is new), and generally 3 months of hassle until I got most of the money back (less the international transaction fee, as the merchant had fraudulently claimed to be in the same country as me, but charged me from the UK).

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nothrabannosir 4 days ago | parent [-]

For the record what kind of chargeback are you initiating, and why does it have to go through visa rather than the bank who issued you the card? Unauthorized card-not-present transaction initiated by a third party? Some cbs are harder than others to get ruled in your favor, but the one where a criminal takes your card and uses it without your knowledge is by far the easiest one to get awarded. It involves one call to your bank and you get a new card, all fraudulent charges reversed.

If your bank doesn’t want to honor the request yes you’ll have to contact the payment network (visa/mastercard) and I’m sure there’s someone in this thread who has experienced that for an unauthorized transaction chargeback but it’s exceedingly rare.

Merchant error chargebacks , on the other hand… very different situation.

	▲	OkayPhysicist 3 days ago \| parent \| next [-]
		The US makes chargebacks exceptionally easy. Non-Americans have a much less useful credit card system, which is why debit cards are more common in most of Europe.
	▲	alvah 3 days ago \| parent \| prev [-]
		Merchant fraud this time. Done through the (soon-to-be-ex) bank but they brought up the charge from Visa. It’s possible that my current bank is particularly bad at this, as they are bad at everything else. I have had the runaround with merchant error and stolen card number chargebacks with other banks though.