I have a friend who ran a computer store. He accepted credit cards and sold used Windows 7 Pro PCs for $150USD.<p>Some of the customers bought a PC and then did a chargeback on their credit card to get it for free. Enough of them did that so that he got blacklisted by his bank and his credit card machine no longer worked.<p>People do the same thing with Paypal when I sell something on eBay. Even if it is the right item, they do an item not as described to get their money back. For example I sold a used Macbook that was an older model and could only run 10.7 and buyer knew it was used and old and could only run 10.7 but filed an item not as described claiming it was old so he wanted half off. Macbook was worth $500 and he bought it for $350. I told him Macbooks keep their value unlike PC Laptops. Paypal froze my funds and eBay investigated. Eventually eBay sided with me because the listing said old and used and limited to 10.7 etc. It took like two weeks of freezing my account until they resolved it. It was not even my fault, the buyer wanted half off for no good reason and item was as described. He could have sold the Macbook for $500 and made a profit.