Comment by Xorakios

>A chargeback can be started in minutes.

Alas, on my Social Security mandated USDirectExpress card it requires hours to start the process through 3 levels by phone, then documentation that the vendor refused to process a reimbursement, then a physical form received and returned by US Postal Service within 10 calendar days. Everything changed last year when the outgoing administration changed the rules and chose a new bank as the provider for Social Security payments.