The worst part about chargebacks is that as a small merchant you are entirely screwed, to the point of absurdity - almost no evidence can save you, even if you

The worst part about chargebacks is that as a small merchant you are entirely screwed, to the point of absurdity - almost no evidence can save you, even if you have actual security video and a card present transaction (been there, done that)!. Then, after dealing with that situation for close to two decades in various businesses - I finally need to call Amex for my own consumer dispute for the first time ever. It was against a giant corporation quite well known for their entirely-on-purpose dark pattern billing tactics. I simply wanted Amex to block any future charges as I couldn't get them to cancel without jumping through absurd hoops such as showing up in person with photo ID while living out of the country. Amex basically told me to jump off a cliff. Not even re-issuing the card saved the future charges as they now have a system to give the vendor the new card info. I had to fully cancel my Amex to get the charges to stop. Why Amex decided to try to enforce a civil contract (especially one they never saw) is beyond me. It was my account, and my option to freeze charges. I was fully prepared and ready to deal with a civil case should the vendor had tried to go after me once the credit card charges bounced. But Amex didn't even give me this option. That is the day I went from a pretty large proponent of Amex customer care/etc. to someone who de-evangelizes them every chance I can get. And that's not saying any other credit card companies/banks are any better - just that I spent decades being screwed by the credit card system as a merchant, to only get screwed as a consumer on the other side when supposedly they were "on my side".