I strongly recommend setting up and using virtual credit cards, you can use them to enforce spending limits and spend maximums. There are several services that allow this, for example my CC company supports them directly or there are several services that let you set them up backed by a debit card. That way, if your hosting provider overcharges you it'll just bounce.
They do to a degree. Nobody's going to court over a $200 bounced charge that you could argue shouldn't have been there in the first place. Most services will just close your account and move on with their lives.
But in the current climate of big tech oligopoly, they don't have to take you to court to make your life miserable. They can simply ban you from their services and make your professional life much more difficult for the rest of your natural life.
When the pandemic hit, flights were cancelled, and refund requests were unanswered here in Canada, many were afraid of requesting a charge back through their credit card company. In a country with only two major airline companies and a size that is too vast to travel by land all the time, getting banned from one, if they choose to do it, would make one's life so much more difficult. Tech is not far from that in terms of oligopoly power.
Not to airlines, which have your full legal name, date of birth, and passport number on file.
Not to big tech either, which are in practice giant surveillance companies and have mastered the art of tracking everyone and anyone on- and offline.
> Was there ever a precedent of an airline ban over a chargeback where a refund was warranted?
I don't know. But many people would not have the time to research this to their satisfaction, nor would want to risk it and find out the answer the hard way.
