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To be honest, I’ve never personally filed a chargeback, so I don’t really know how difficult the process actually is ))

Yes for me it is last resort. Email chains go nowhere. Mentioned consumer protection laws but nothing. It's the next step before small claims court. Not having a fun day if doing a chargeback. It's very rare.

I’ve always considered the chargeback the last resort “burning the bridge” action. Problem is that merchants lately are getting way worse about customer support.

I’ve been a credit card user for 30 years, and in the first 25 of those years, I only had to resort to chargeback once. In the most recent 5 years, I’ve had to do it about 3 times. Companies in general are just way less responsive now and take their customers for granted way more than in the past.

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