It's true that this doesn't land on your credit score, but that doesn't mean that you can chargeback without anybody ever noticing. Issuing banks collect lists

It's true that this doesn't land on your credit score, but that doesn't mean that you can chargeback without anybody ever noticing. Issuing banks collect lists of credit cards that have issued chargebacks. A merchant may be able to purchase access to this list from their merchant bank. This is sort of a big hammer for a merchant to bring out: it will probably not catch any stolen cards (since those would have been cancelled as soon as the fraud was detected, before the chargeback was even processed), and it will simply block customers who have made a chargeback, without any idea of fault. The only people who would ever use this, one would presume, are at a very high risk for chargebacks and on the verge of having their merchant accounts cancelled. For example: "web sites with monthly, recurring subscriptions". You might be surprised how many men and women with teenage boys in their house dispute charges for these types of web sites!