Thank you.

No idea, man. I’m just providing my experience with it from when I saw it happen all the time at work.

Am I, how? By being poor af and having experience dealing with banks personally and professionally?

Edit. I’m just letting you know how the shit works. You not liking it doesn’t mean anything. The banks don’t gaf about your inexperience.

Half true. They will refuse charge backs if you keep doing them. I’ve seen them be refused on customer orders before.

… And most of them share a black book.

Well yeah, there isn’t a company in the world that likes charge backs. Just be aware that by doing it you’re cutting off any possibility of doing business with that company in the future.

Your bank isn’t a fan of them either. So if you go on a charge back spree they’ll notice and could stop issuing them for you.