Doing a credit card chargeback, even once, can lead to blacklist

Disputing a credit card charge by asking for a "chargeback" can lead to being put on a blacklist that merchants can check for customers who might try to defraud them.

Getting off the list costs $99, although the fee is waived if the customer didn't know they were committing "friendly fraud," said Brien Heideman, founder of BadCustomer.com, which keeps such a customer list for retailers that don't want to get hit with costly credit chargebacks.