On: Visa changes chargeback dispute program

[sha256sum]

All -- it’s a good idea for your card(s) to be “stolen”, maybe once every year or two. And yes, it is definitely “stolen”, and not lost. Reps will definitely ask this. If it is lost (which it isn’t), the “thieves” may be able to continue to charge your card number.

This is a cleansing process.

[abawany → sha256sum]

Sometimes card issuers will 'helpfully' send the updated card details to the recurring charge merchant.

[neilv → sha256sum]

The pretext for this change by Visa is that some cardholders are making false claims to the card company.

This "stolen" sounds like it might be a different kind of false claim.

Can consumers operate while maintaining impeccable high ground?

[winkeltripel → neilv]

As long as merchants use dark ui patterns, a misleading or anti-merchant response from consumers is justified.

I for one am appalled that visa is making merchant fraud easier, making payments less controlled by cardholders.

[FireBeyond → winkeltripel]

That's like, to me, why can't my bank/credit card block charges from a merchant? (Or make you jump through repeated hoops to do so).

I've heard banks tell me "well, you signed a contract with them, so we need to let the charges go through", or the "for your convenience"...

No, my bank has a fiduciary duty to me. If blocking a charge causes me to get into conflict with the merchant, that's between the merchant and I - my bank shouldn't be taking any "side" (and if they do, it should be mine).