[daniel2005]

Just a quick PSA.

A chargeback is a last resort, and should not be done more than twice per year, per bank account. Furthermore, chargebacks do NOT legally absolve you from the debt, even if the card comapny rules in your favor. Depending on the size of the business or price of item, they can and will take you to civil/small claims court, where they will likely win depending on their evidence. Thus, use good judgement when using chargebacks. Will doing a chargeback for an iphone from Apple/ Best Buy result in legal action? Probably not. But if you did a chargeback on a $30000 bust down rolex, that is a completely different story.

In my country (Germany) charge backs on real life accounts, is useless!

They will send you an invoice and if you dont pay, they will, as you said, take it to court and win. Well they won the case, but you are still able to contest and defend yourself (pls take a lawyer)

Yeah, in that case only do chargebacks from merchants outside your country.