[mikeash]

I've never had trouble with chargebacks, personally. I try the merchant, and if they don't play ball, I contact my card issuer. It's been pretty painless, so I don't see the point of this service. Is my experience just abnormal?

[BryanB55]

I think it depends on your credit card company. American Express is well-known for very good customer service and easy no hassle chargebacks. My Bank of America card was a bit more of a hassle though trying to find the correct form to fill out online then they had to mail me papers and I had to sign them and send them back and talk to 3 different people.