[jopsen]

Let's assume you're running a scam (thought experiment). If it was possible to refund anybody who complained and not have the complaint affect your ability to charge credit cards, then wouldn't every scammer do this?

I think it's fair to assume that few people will notice a fraudulent charge, and much less bother to dispute it.

If you charge money you don't feel like you need to charge -- then simply don't charge it :)

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