[jusben1369]

I know what you're saying but a chargeback is really for a charge that you believe is fraudulent/have no idea why it was made. That's certainly not the case here. So folks like 1&1 usually have proof that you willingly signed up for the charge. If that happens you can be blacklisted and other merchants suddenly won't accept your card. It then costs $99 to get off that list.

[rstupek]

Believe it or not a chargeback doesn't have to be for things you consider fradulent. We see people all of the time chargeback for services provided. All you need to do is issue the chargeback. 99.99% of the time it will go through

[jusben1369]

I know it's abused like this as you say. The point is that for merchants for whom there's a lot of buyer remorse (dating sites etc) they enact clear steps to show you knew what you were doing and will then dispute those chargebacks (they have to or else they will get dropped)

[steven2012]

Merchants very very rarely win chargebacks. They can represent all they want with proper documentation, and they may even win the first chargeback, but that win can easily be reversed by the credit card company, if the customer is persistent enough, with no explanation to the merchant. I know this because I've worked in credit card processing.

So any time you run into an issue with a merchant, if they look like they are acting in bad faith, you should just chargeback and stop wasting your time.

[rstupek]

Having been in the merchant system for a long while, there's really nothing the merchant can do to prove you knew what you were doing and agreed to the charges. As a consumer I can like it, as a merchant it really pisses me off sometimes

[mikeash]

You willingly signed up for the charge, then you canceled (or at least made a reasonable effort to inform them that you wish to cancel), and any charges beyond that point are fraudulent. "Fraud" isn't just "someone stole my card". "The merchant charged me when they shouldn't have" qualifies just fine.