Comment by kozak

I recently traveled to the US, and stayed in a hotel of a major brand which had some outdated payment terminal that only used the magnetic strip of the card (without even a possibility to enter the PIN). The transaction was over a thousand USD. I had cards from two different banks: one failed because the PIN wasn't entered, and the second one got through. But after several months the second bank somehow freaked out and charged back about a third of the amount (probably flagging the transaction as fishy or something). I tried to contact the hotel to somehow return them the money that were mistakenly returned to me, but apparently there is no mechanism to do that.