> The question is, who is giving the money to the banks that allows them to take this kind of a loss? People who have credit card debt??? The money comes from

> The question is, who is giving the money to the banks that allows them to take this kind of a loss? People who have credit card debt??? The money comes from the business. The credit card company simply removes the money from the businesses bank account. This is one of the reasons it is so effective. Sometimes even mentioning the word "chargeback" when dealing with customer service will work wonders.