4 ms·

in those situations, especially if the business is unresponsive, i just keep charging back until they stop. if i can subscribe easily, i should be able to cance

in those situations, especially if the business is unresponsive, i just keep charging back until they stop. if i can subscribe easily, i should be able to cancel just as easily :)

theletterf 26d ago
Well, you can't if you paid using a debit card, like I did. Silly me.
- Melatonic 26d ago
  You often still can actually. Call your bank
  - theletterf 26d ago
    Just did. Not possible in Spain.
    - embedding-shape 26d ago
      Which bank? My main bank (I'm also in Spain) is BBVA which is able to do charge backs with my debit cards as well. Was possible with Banc Sabadell I used to have as well, really strange to hear there is a bank that doesn't support that today with debit cards.
- eis 26d ago
  Debit cards can do chargebacks just as credit cards can do. That's a feature of Visa and Mastercard (and others). If your bank refuses, complain to the card network. Oh and consider changing banks, that's really unacceptable in 2026 and shows an anti customer stance.
  - theletterf 26d ago
    They do, but require that an incident is raised claiming fraud, etc. I guess they want to avoid misuse of this feature.
    - eis 26d ago
      This is completely normal. You can't just issue a chargeback because you feel like you want your money back after the fact. They want to know what went wrong. It could be fraud but it could be also misleading checkout experience and other reasons. The merchant is charged often a fee for a chargeback on the order of $15 and it might result in penalties. So, if you feel like you've been charged unfairly (e.g. product not what was expected), in error, fraudulently etc. then chargeback is the route and you should provide a reason. It's a mechanism to protect consumers. If on the other hand you just want your money back without good reason then chargebacks are not the right tool. The consumer also has an obligation to pay if there was no fault on the merchant side. Honestly, sounds like everything is as it should be?
      - miki123211 26d ago
        Exactly this. In both US and EU, chargebacks are a general consumer protection tool, implemented by card networks to make you less afraid of using them with potentially-untrustworthy merchants, even when not legally required. They can be used for any kind of legitimate grievance, outright fraud being just one of them. If you book a hotel and the room is not up to the standards on their website, take pictures, take screenshots and chargeback. They are not, however, a way to cancel a subscription you decide you no longer want (incidentally, neither is cancelling your card). Ask your lawyer, but this is actually illegal and considered fraud in many places. If you make a dumb choice, you have to live with the consequences or follow the contractual route.
        mitxela 25d ago
        However if you try to cancel the subscription the normal way, and it doesn't work, or there is no normal way, then you escalate to a chargeback and that's valid grounds.
coldpie 26d ago
IA is responsive. I had to cancel my donation earlier this year due to some financial circumstances and it was a quick and easy email. However I believe they have an easy cancel button if your donation is associated with an IA account, too.
jrmg 25d ago
And your credit card company investigates and accepts your chargeback requests?
nnyx 25d ago
I take advantage of all the temporary card options my credit card provides. There's one for subscriptions where you give it a monthly limit and if you want to end your subscription and they're being difficult you can just cancel the card. It's great to basically never be beholden to anyone holding my payment info hostage. I know charge backs exist but while I've never had problems, I would imagine the more you end up having to go down that avenue the more likely you are to have problems using it.
- loremm 25d ago
  yeah I do the same, very helpful and easy

in those situations, especially if the business is unresponsive, i just keep charging back until they stop. if i can subscribe easily, i should be able to cancel just as easily :)

theletterf 26d ago

Well, you can't if you paid using a debit card, like I did. Silly me.

Melatonic 26d ago
You often still can actually. Call your bank
- theletterf 26d ago
  Just did. Not possible in Spain.
  - embedding-shape 26d ago
    Which bank? My main bank (I'm also in Spain) is BBVA which is able to do charge backs with my debit cards as well. Was possible with Banc Sabadell I used to have as well, really strange to hear there is a bank that doesn't support that today with debit cards.
eis 26d ago
Debit cards can do chargebacks just as credit cards can do. That's a feature of Visa and Mastercard (and others). If your bank refuses, complain to the card network. Oh and consider changing banks, that's really unacceptable in 2026 and shows an anti customer stance.
- theletterf 26d ago
  They do, but require that an incident is raised claiming fraud, etc. I guess they want to avoid misuse of this feature.
  - eis 26d ago
    This is completely normal. You can't just issue a chargeback because you feel like you want your money back after the fact. They want to know what went wrong. It could be fraud but it could be also misleading checkout experience and other reasons. The merchant is charged often a fee for a chargeback on the order of $15 and it might result in penalties. So, if you feel like you've been charged unfairly (e.g. product not what was expected), in error, fraudulently etc. then chargeback is the route and you should provide a reason. It's a mechanism to protect consumers. If on the other hand you just want your money back without good reason then chargebacks are not the right tool. The consumer also has an obligation to pay if there was no fault on the merchant side. Honestly, sounds like everything is as it should be?
    - miki123211 26d ago
      Exactly this. In both US and EU, chargebacks are a general consumer protection tool, implemented by card networks to make you less afraid of using them with potentially-untrustworthy merchants, even when not legally required. They can be used for any kind of legitimate grievance, outright fraud being just one of them. If you book a hotel and the room is not up to the standards on their website, take pictures, take screenshots and chargeback. They are not, however, a way to cancel a subscription you decide you no longer want (incidentally, neither is cancelling your card). Ask your lawyer, but this is actually illegal and considered fraud in many places. If you make a dumb choice, you have to live with the consequences or follow the contractual route.
      - mitxela 25d ago
        However if you try to cancel the subscription the normal way, and it doesn't work, or there is no normal way, then you escalate to a chargeback and that's valid grounds.

coldpie 26d ago

IA is responsive. I had to cancel my donation earlier this year due to some financial circumstances and it was a quick and easy email. However I believe they have an easy cancel button if your donation is associated with an IA account, too.

jrmg 25d ago

And your credit card company investigates and accepts your chargeback requests?

nnyx 25d ago

I take advantage of all the temporary card options my credit card provides. There's one for subscriptions where you give it a monthly limit and if you want to end your subscription and they're being difficult you can just cancel the card. It's great to basically never be beholden to anyone holding my payment info hostage. I know charge backs exist but while I've never had problems, I would imagine the more you end up having to go down that avenue the more likely you are to have problems using it.

loremm 25d ago
yeah I do the same, very helpful and easy