the downside is it's in terms of "Credit". With dispute, it's as good as cash. The difference between the two might be less than many would think. Also with d

the downside is it's in terms of "Credit". With dispute, it's as good as cash. The difference between the two might be less than many would think. Also with dispute, you are sending business a message: if they charge you for their mistakes (in scheduling), you'll look for disputing (which costs them around 25$/dispute, i believe?).