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其次，信用卡公司have a strong financial interest in protecting their clients from dispute。这是常识。他们的决定会可能对信用卡客户有利，或者就是对merchant来说代价太大。

Tell you my own story -- I was on a business travel, stayed at Hyatt in HK. I later found out there was a $500 HK dollar charge for what they essentially accused me of stealing the bath towel.

I was on the go in next 2 days but still felt being insulted. I called up my credit card company and requested a chargeback. The agent on the phone laughed relentlessly after he heard the story of bath towel. He spoke with confidence, telling me the complaint will be dealt with most likely in my favor.

They reversed the charge in next two weeks; However, ironically enough, after I returned home I found the damn towel in my suitecase. How the towel ended up in my suitecase was a mystery, but it was clear Hyatt as a merchant was wronged by both credit card company and me.