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