So the key here is... if you use a credit card, dont call them and say "NC Interactive is stealing my money, take it back."
~spam
No offense, Spam, but this is just too simplistic. From Wikipedia:
Other types of chargebacks are related to technical problems between the merchant and the issuing bank, whereby a customer was charged twice for a single transaction (duplicate processing) or other various mistakes. Yet other chargebacks are related to the authorization process of a credit card transaction, for example, if a transaction is declined by its issuing bank and the account is still charged.
Another reason for chargebacks are when a customer does not receive the item they paid for. In this case, a chargeback is initiated and the payment to the merchant is reversed.
List of reasons for a chargeback:
* Card holder requests a copy of the transaction receipt.
* Card holder did not authorize the transaction.
* Non-matching account number.
* Transaction was processed more than once.
* Transaction receipt was not imprinted.
* Refund not processed.
* No authorization.
* Customer never received merchandise/services.
* Card not used within valid expiration date.
* Services not rendered.
* Error in transaction amount.
* Transaction receipt is incorrect, incomplete, or illegible.
* Transaction processed for incorrect amount.
* Product different from what was described or promised.
* Counterfeit transaction.
* Transaction not processed within Visa or MasterCard time frames.
* Failure to obtain card-holder signature.
* Signature on the card was blank.
* Signature on receipt different from card.
* Card-holder claims merchant changed transaction amount without permission.
* Merchant knowingly participated in a fraudulent transaction.
* Incorrect Transaction Date.
* Card-holder claims invalid mail or telephone order transaction.
* Card-holder was denied ability to return item.
* Transaction was not canceled successfully.
* Card-holder not satisfied with quality of product or services.
* Debit-cardholder's bank initially approves a transaction, but subsequently returns the charge due to non-sufficient funds, an account closure, or the bank "locking" the card due to a subsequent unauthorized use, loss or theft of the card, or multiple unsuccessful attempts to use it at an ATM.