I am going to go against the grain here. Disclaimer: I think these changes are shitty for a variety of different reasons. I think it is okay for Visa to come u

I am going to go against the grain here. Disclaimer: I think these changes are shitty for a variety of different reasons. I think it is okay for Visa to come up with a policy which disallows disputing a long unused subscription. User subscribed to the subscription, forgot about it, did not check their card statement for a while to know that they were being charged for it and then asked for a chargeback (presumably because the merchant denied them a refund). This is not Visa's problem. One scenario where Visa should still allow chargebacks - a user tried to cancel the subscription, have proof they tried to, but the merchant is still charging them. Now, should the merchant auto-cancel unused subscription? Hell, yeah. But, we should not blame Visa for coming up with a policy that does not allow such chargebacks.