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Chargebacks aren't just for stolen credit cards, but also fraudulent merchants. If I buy a physical good with a credit card, and the merchant either never send
by TheDong 1y ago
Chargebacks aren't just for stolen credit cards, but also fraudulent merchants.
If I buy a physical good with a credit card, and the merchant either never sends me anything, or sends me an empty box and ignores my emails, well, that's a use-case for chargebacks. 3DS doesn't help with that.
- eurleif 1y agoAlso for merchants that are just too dysfunctional to do the right thing. A while back, I ordered a phone online from Best Buy, and they shipped me a different model from what I ordered. I contacted their customer service, who told me to mail the phone back for a refund. I did so, and then they mailed it right back to me with a note saying they couldn't accept the return because I'd sent them a different item from the one I ordered. (No shit: that's why I needed to return it!) They didn't have fraudulent intent, I'm sure; one hand just didn't know what the other was doing. A chargeback resolved that situation, and I'm very glad I had the option.