Very much agreed on all points. Also it should be noted that just doing the nice thing by contacting the business and letting them know you have a problem can b

Very much agreed on all points. Also it should be noted that just doing the nice thing by contacting the business and letting them know you have a problem can be a lot faster and nicer than the whole chargeback process. Like I said, I used to go this route but I stopped when I realized how bad it was. Now that I let the business know first (and I appreciate when customers at my businesses do the same), most of them have fixed the problem and usually thrown something extra in too - free shipping, store credit, extra products, and what have you. No need to even threaten a chargeback unless it's been like a week or two since the problem started and nobody's even replied back.