I have only once in my life had to request a chargeback for some random charge I had never initiated.
Where do you live or shop that you are happy to take what is effectively a 3% pay cut for the privilege of having a slightly easier option to get your money back if someone charges you the wrong amount?
Where do you live or shop that you are happy to take what is effectively a 3% pay cut for the privilege of having a slightly easier option to get your money back if someone charges you the wrong amount?