@lauy:
Yes, entirely correct:
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What many people that have won disputes don't realize is more often than not, the disputes consumers file are invalid (as far as the regs and rules for the card they used, not the validity of the claim), but are often paid by the bank and taken as a loss to satisfy the customer. The majority of fraud (lost/stolen/unauthorized) disputes filed fall into this category, because a chargeback cannot be initiated unless there is proof of merchant error.
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What consumers that frequently have chargebacks fail to realize is the number of chargebacks processed is a reflection of the consumer's buying habits and the risk potential to the issuing bank. Ultimately the issuing bank can re-evaluate the need to keep the customer and will discourage the customer's continuing relationship through higher interest rates or service fees.
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