Essentially it is often forgotten to note that chargebacks are outside clear fraud really the option of nearly last resort. Basically saying that I want my moneyback and I will risk not dealing with your company ever again.

Admittedly, spending 5+ hours trying to get a refund for something that cost $80 is counter productive. If you don't care if you ever do business with the company again, and you have a clear reason for a refund that you have explained to them, and they refuse to help you, then a chargeback is a single, efficient way of putting an end to all of it. Plus it punishes the company, because the more chargebacks they have against them, the more it costs them to do business using credit cards.

Those companies ban you because they have insane charge back rates (constant flow of charge backs), high enough to where servicers do not want to deal with them. They ban you in an attempt to stop the bleeding.

I used to sit next to a compliance department at a card servicer and it was Google, Google, Google all day long, every day. Charge backs from the play store. Very costly for servicers to man call centers to process a constant stream of charge back requests from these companies. Nevermind the cost of the actual refund.

If they like buying stuff from that store then clearly they did, this is the problem: even when users exercise their rights they still get punished

The problem is that I have issued a chargeback by mistake (I confused the charge from the store with something else, as they have changed the name in credit card reports). I immediately called my bank back and explained that this was a mistake, but it was too late — the chargeback processed, the card reissued, my last order in the store marked as “fraudulent”, and I am banned for life from this store. I even cannot pay again for that order, as they are not accepting anything from me, and their support is telling me there is nothing they can do.

I liked that store.