What? Of course they are. If I felt like my credit card didn't have my back on the chargeback policy, then I'd be far more likely to go to a competitor. It may

What? Of course they are. If I felt like my credit card didn't have my back on the chargeback policy, then I'd be far more likely to go to a competitor. It may not be what's on the ads, but you do realize customer retention is a huge part of competition, not just customer acquisition.