> That or you gave money to a scammer and that's your own fault (but they'll still help you). Is it really that merchant-friendly / anti-consumer? I have used

> That or you gave money to a scammer and that's your own fault (but they'll still help you). Is it really that merchant-friendly / anti-consumer? I have used chargebacks when merchants fail to deliver as promised, even when most people wouldn’t call them “some scammer”. For instance recently a package was shipped that didn’t include one of many items. I asked for a refund, they claimed it was in the package. No worries, I’ll just do a chargeback.