> Instead the consumer should contact the merchant directly to resolve the dispute. I agree, for the cases where this is reasonable. Unfortunately plenty of co

> Instead the consumer should contact the merchant directly to resolve the dispute. I agree, for the cases where this is reasonable. Unfortunately plenty of companies engage in extremely bad faith efforts to make it absurdly hard to cancel a service or resolve an issue. My concern is that these sorts of companies are the ones that will benefit from this change. An ethical company that makes it easy to understand charges, cancel services, or handle issues probably gets far fewer chargebacks than one that makes cancelling as painful as possible. Visa does have a financial interest in processing more charges, so I wouldn't automatically assume good faith on their part.