Is there any downside to disputing a credit card charge?
I canceled my Sirius account last month and then got billed for it again this month. I called them up but they were closed so I disputed the charge through my credit card’s website and got the charge refunded.
Morally I feel great about this. I’d made an honest effort to cancel my account both by actually canceling my account and giving a followup call. I don’t think it’s fair for me to carry the burden of their mistake, so I was happy to quickly resolve the issue through my credit card. Plus, I’m pretty sure the merchant pays a financial penalty on disputed charges (beyond the refund). That seems fair.
I’d like to use this feature more often. But I’m afraid that there will be a downside to my relationship with my credit card. Does anyone know?
This question is in the General Section. Responses must be helpful and on-topic.