in those situations, especially if the business is unresponsive, i just keep charging back until they stop. if i can subscribe easily, i should be able to cancel just as easily :)
in those situations, especially if the business is unresponsive, i just keep charging back until they stop. if i can subscribe easily, i should be able to cancel just as easily :)
Well, you can't if you paid using a debit card, like I did. Silly me.
You often still can actually. Call your bank
Just did. Not possible in Spain.
Which bank? My main bank (I'm also in Spain) is BBVA which is able to do charge backs with my debit cards as well. Was possible with Banc Sabadell I used to have as well, really strange to hear there is a bank that doesn't support that today with debit cards.
Debit cards can do chargebacks just as credit cards can do. That's a feature of Visa and Mastercard (and others). If your bank refuses, complain to the card network. Oh and consider changing banks, that's really unacceptable in 2026 and shows an anti customer stance.
They do, but require that an incident is raised claiming fraud, etc. I guess they want to avoid misuse of this feature.
This is completely normal. You can't just issue a chargeback because you feel like you want your money back after the fact. They want to know what went wrong. It could be fraud but it could be also misleading checkout experience and other reasons. The merchant is charged often a fee for a chargeback on the order of $15 and it might result in penalties.
So, if you feel like you've been charged unfairly (e.g. product not what was expected), in error, fraudulently etc. then chargeback is the route and you should provide a reason. It's a mechanism to protect consumers. If on the other hand you just want your money back without good reason then chargebacks are not the right tool. The consumer also has an obligation to pay if there was no fault on the merchant side.
Honestly, sounds like everything is as it should be?