> It's a consumer being able to unilaterally say "give me my money back" That is actually not true. The credit card company must follow established guidelines

> It's a consumer being able to unilaterally say "give me my money back" That is actually not true. The credit card company must follow established guidelines and pragmatically look at the available information/user agreement/contract and decide on whether there was a breach of contract. They can not blindly stick the bill to the business.