[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.