[gommm]

I'm not sure how it is in Finland but here in France it's very difficult to do a chargeback... I tried once for something that was never delivered and my bank blew me off. It's nowhere as easy as in the US.

It's not even that that I lost the chargeback, it's that they didn't even let me initiate it.

[MayankGoyal]

You'll need to jump through some hoops for that. Here in India, the bank's credit card department head didn't even know about chargebacks, and didn't believe me even after I showed him the Visa Regulations on Visa's website. I had to call customer care over 10 times and talk to the supervisors nearly every time before I found a person who was able to send me the chargeback form. Hell, the bank's local branch didn't believe me even after seeing the chargeback form.

After I got the chargeback form though, dealing with the Chargeback Department was a breeze.

[straight_talk_2]

Very interesting. I remember back in the late 60s and 70s when credit card adoption raised in the US, charge back was a key selling feature. Customers refused to use cards that didn't offer it.

Makes me wonder how the world is going to change when BRIC economies get bigger than the current "developed" ones (if ever). Banks and other oligopolies may get away with far lower customer, privacy, heath, etc. protection.

[alextingle]

Your bank has nothing to do with it. You need to contact your credit card company.

(Chargebacks are a credit card thing, the CC company is an intermediary, so you can complain to them about poor service. If you use your bank card to buy things online, then you've paid - and it's between you and the vendor. That's why you should always use a credit card to make online purchases.)

[shawnz]

I don't know about the parent, but where I live, credit cards are most commonly issued by banks.

[dublinben]

Afaik, credit cards are always issued by a bank.

[dylz]

I use AmEx in the US and I have never lost a chargeback once. But then again, I don't abuse it..