Ha, sorry, I misspoke. I mean I report the card lost, which closes that account number, but the account at the bank remains and my credit report remains unchan

Ha, sorry, I misspoke. I mean I report the card lost, which closes that account number, but the account at the bank remains and my credit report remains unchanged. You can only request a chargeback, and chargebacks only work sometimes. I've done maybe 10 in my life, and I think 1 out of those 10 didn't go through -- the bank sided with the merchant. And I think if you do too many, the banks get pissed off. So depending on chargebacks is not a panacea. And I'm not talking about reneging on my responsibilities or contracts that I've entered into. I always resolve those.