I'll keep it short and sweet. I am wondering if anyone has any input on this hypothetical situation. A purchase is made on Fiverr. We'll say for $300. Refund is given, but its kept as Fiverr credit, can't withdraw back to the bank. The person that received the Fiverr credit then spends that money again through a few different sellers within a weeks time. Bringing the Fiverr credit back down to $0. If that person went and made a chargeback claim on their credit card, those funds would only affect the company Fiverr, not the individual members that the credit was spent towards, correct? Any ideas on the typically allowed time to issue a chargeback from most US Credit Card companies? Any suggestions for successfully requesting a chargeback from CC company? The person looking to create the chargeback has never done this before so they are unsure if there are dos and don'ts when requesting a chargeback. for non-tangible items, does this make it easier or harder to successfully obtain a chargeback in your favor? Paypal is not involved in this situation, it would be directly charged to CC. Any help is greatly appreciated!