> Is it better to have some unknown entity at VISA making these decisions based some internal rules and how they feel today? As opposed to rushing my lawyer in

> Is it better to have some unknown entity at VISA making these decisions based some internal rules and how they feel today? As opposed to rushing my lawyer in his tuxedo to settle a $8 double payment on the whopper I just bought at local Burger King? You underestimate the convenience payment processors afford you in everyday life. Approximately 5-8% of my credit has some issue (wrong amounts, double pay, late charges on split payment, chargebacks etc). I don't suppose the percentage will be significantly lesser for any average bloke who makes all transactions on card.