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Dec 20, 2016 The gambling and gaming industry is a legal maze which without expert advice and assistance can result in an operator inadvertently breaching gambling regulations. However, If you deposited using an E-wallet or a credit card, you can file a complaint, which most online institutions know as “ChargeBack”. Chargebacks against online casinos. First of all, DO NOT apply for a chargeback request if you have no case, trying to trick and claim funds you don’t deserve will do more harm than good. Apr 23, 2007 Husband just blew 34k on online casino. Thread starter hp123. My husband came in this morning at 4am having been out on the town and instead of going to bed went online, and has lost 34k in an online casino - all in my name. ' I will pay you 30% of the total and you will write the rest of it off or else i will charge back my credit card. Online gambling chargeback - Answered by a verified Lawyer We use cookies to give you the best possible experience on our website. By continuing to use this site you consent to the use of cookies on your device as described in our cookie policy unless you have disabled them.
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Charging back online casino transactions is unethical!
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Charging back online casino transactions is unethical! I've heard from a few friends of mine that they've racked up large credit card debt due to playing at online casinos and what they did to handle this seemed very unethical to me. They told me that after the racked up this debt on their credit cards they'd call the credit card companies and request that these charges be reversed. They said that they managed to succeed in several cases. If you for example were to buy something keep the item that you purchased and then call the credit card company and told them that you didn't buy that item it would be considered stealing. I think that the same thing applies here... The idea that you can charge as much as you wanted on your credit card and then reverse it seems wrong and nothing short of theft. Anyways I told this to my friends and they didn't really acknowledge the idea that it's considered theft... What do people here thing about this? | |
Thu Jun 18, 2009 10:03 am | |
Re: Charging back online casino transactions is unethical! Charging back or reversing credit card transactions as related to online casinos has become a lot more difficult. Not only is it unethical but it can certainly lead to a lot of issues which I'll outline before. Working in the baking industry myself I know what some of these repercussions are both from the standpoint of the credit card companies, the banks and the casinos. 1.) If you charge back and you have a history of making credit card transactions that are related to gaming it's very unlikely that the bank will actually reverse the transaction. 2.) If you do charge back and are able to do so successfully (again very difficult to do these days) then you'll be listed as a higher risk user to the credit card companies. 3.) Casinos will definitely 100% blacklist you at the casino if you charge back and if you're luck and only if you're lucky you'd still be able to play at the casino but only by using deposit methods that are of '0' risk to the casino in terms of chargebacks. 4.) If you chargeback successfully there's a good chance that you'll be blacklisted on the entire casino software providers network. For example if you charge back at a Microgaming casino since they all share a negative database of users who have issued chargebacks in the past this information could be used to ban you globally across all Microgaming casino brands. There are several other reasons why you wouldn't want to charge back but these are merely to hightlight a few key points as to why I don't think it's a good idea to do so! | |
Thu Jun 18, 2009 10:17 am | |
Re: Charging back online casino transactions is unethical! Yeah speaking as someone with expereince whatever you do don't charge back it's not worth the headaches and hassles that it brings with it. The only time a charge back is worth committing is when the charge that has come though on your credit card genuinely isn't yours to begin with. Seriously don't do it if you can avoid it... | |
Thu Jun 18, 2009 11:53 am | |
Re: Charging back online casino transactions is unethical! Thanks everyone for your replies to my questions it's greatly appreciated... I've always felt like it wasn't worth it the whole charegback thing nor did I ever intend on issuing a chargeback myself I was merely more curious to know what people though of this situation. I definitely think it's wrong nor will I ever take such action unless the transactions I find on my credit card are genuinely fraudulent and charges that I never made to being with. | |
Fri Jun 19, 2009 9:46 pm | |
Re: Charging back online casino transactions is unethical! What the heck does a fax back form do for the casino. It's not like they can send that to a US bank. A cc user can't legally authorize a casino to deduct from their account because of the UIGEA, nor can they authorize the casino to mask the charges as merchandise purchases - that is money laundering. So what does this form really provide for the casino? | |
Sun Oct 18, 2009 7:47 am | |
Re: Charging back online casino transactions is unethical! Well my personal view on it is that it's more of a scare tactic. You are correct for transactions that are processed though the casino where they are being processed uncoded (ie. where 7995 is being bypassed) online casinos have no recourse. However the laws pertaining to the UIGEA are fairly ambiguous and because of that there are still several banks in the US that are not blocking 7995 coded online gambling related transactions. For those transactions that are processed legitimately though banks in the United States they do have recourse though the fax back form. I suppose the problem with charging back is that you never really know if the transaction is one that can be deemed legitimate or an uncoded transaction. Still my views are in line with those discussed herein. I don't think it's ethical to charge back transactions for money you did really spend. Especially when there's a chance it can come back around and bite you in the ass. | |
Sun Oct 18, 2009 8:29 am | |
Re: Charging back online casino transactions is unethical! So a copy of someones id and credit card, really won't help the casino either if the transactions are coded wrong. | |
Mon Oct 19, 2009 8:54 am | |
Re: Charging back online casino transactions is unethical! Yes that's correct however with transactions that are properly coded there is recourse for online casinos that can be taken with banks to issue legitimate claims. Since there's no way to tell for certain whether the transaction is coded or not it's really not worth it. Moreover credit card companies do not look fondly on people that charge back credit card transactions. | |
Tue Oct 20, 2009 6:27 am | |
Re: Charging back online casino transactions is unethical! I agree with what bugatto is saying here in that it's really not worth it. Especially in the long run you're really working against yourself if you make chargebacks on legitimate online casino transactions at online casinos or any other gambling type activities you might involve yourself in online. | |
Fri Nov 06, 2009 9:50 am | |
Re: Charging back online casino transactions is unethical! What about when the charge back is ligit? I am in the process of claiming in excess of £2000 that was deposited to a online casino from my bank account. I know 100% fact that i never made these transactions and the bank is making feel like a criminal. I have no history of using online or bricks and mortar casinos except for the odd online poker game that has never cost more than $10 or so. Does this mean I will get a bad credit rating? I dnt care about being banned from any casino because I dont use them. Your thoughts would be apreciated. Many thanks | |
Thu May 27, 2010 11:43 am | |
Re: Charging back online casino transactions is unethical! Its simply as this, don't make other transactions in your account that are not important and irrelevance to your concerns, the point of view of this statement its between your action and the result of the transaction in your account whether its your concern or not. | |
Tue Jul 27, 2010 1:53 pm | |
Re: Charging back online casino transactions is unethical! It is actually fraud and highly illegal because you are claiming that someone else has stolen your details and make those transactions without your approval. Its a risky solution which could get you into even bigger problems. Aaron www.highstack.co.uk | |
Wed Nov 14, 2012 6:35 am | |
Re: Charging back online casino transactions is unethical! hi i just got in an orrible situation with casinitital, do anybody knows if it is a us legally gambling site. My orrible experienced, the halcool did muck but the gambling addiction desises made it happen. I'v connected from italy my provisory 30days debit visa from BAmerica my account in Florida. Start making a few deposit, but whare strange, without 3dsecure visa pass. By the way y got in the casino net and they started pushing me to dep with promotions and gift, but i whasn't in my totally brain and conceus status. And the pushig activity by casino titan suppoprt, promotions, activityes brought me in a compleat status of illucinazation status. I start playng almost every game, turnament, bonus the feed me in s verey strange way with transactions never get to the end of the legal proces. I'm dualcytizen italian-usa, live in rome italy but have relatives and social security, driverr llicens, US bank accout in florida. .i'm I in the right to ask to dispute by my bank, that did.t stop such illegal end convulsivity deposit, did by me or by6 the sistem don't know how be sure, to ask for a compleat refund of alla the transaction, made illegal by the state where gambling is not allowed, because they used actions of peruising me to play in a very strange and irresponsable way. Can anybody help me, please? Godfrey | |
Sat May 11, 2013 11:21 pm | |
Re: Charging back online casino transactions is unethical! | |
Tue Oct 25, 2016 11:02 am | |
Joined: Fri Dec 09, 2016 5:11 pm Posts: 1 | Re: Charging back online casino transactions is unethical! I recently used POSH VIP Casino, Do not use them, or any casino related to them. They are a bunch of scammers. I've used Silver Oak Casino and I believe they are related as well. I've never had a problem with Silver Oak. I'm at this point having to request a reversal because I tried to deposit one day and it gave me a generic error and when chatting I asked what to do. It happened a total of 3 times and I was told the money would not come out of my bank. The next day I go to use my card and I notice I'm down the exact amount of money that I would have been charged had the deposits gone through and then I go online and confirm that the three times it gave me an error and did not post to my account it charged my card. then they tell me its a pre authorization and will fall off even though while on one phone with them and one phone with the bank, the bank told me at the same time this is not an authorization is is a full on charge. I agree its very unethical for a player to charge back something they used but in my case I never got that opportunity. Now I am having to go through my bank to get my money back. Not only has this happened but when I've shown plenty of proof with screenshots from my bank, of course blacking out what is none of their businesses, they say thats not enough. Do not use Posh VIP Casino, they are scammers and I do genuinely hope that Silver Oak is not related to them. |
Fri Dec 09, 2016 5:17 pm |
How To Chargeback Credit Card
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One common abuse that is most reported by online casinos is players informing credit card companies that they did not make the transactions depositing funds in online casinos and therefore their account should be credited or 'charged back'. Credit cards offer credit to their users. The users can pay online or offline using the credit cards without any money being paid. The credit card company then pays the vendor and charges the credit card user in a consolidated monthly statement. Players use their credit cards to fund online casino accounts. The credit card company clears the funds to the online casino and the player starts wagering. When the player receives the statement from the credit card company he denies having sanctioned the payment and demands a charge back.
This forces the credit card company and the online casino to carry out an investigation. Such investigations are an unnecessary cost to these organizations and hence are not appreciated. Pending investigation the credit card company may hold the actual transfer of funds to the online casino. The online casino will definitely prevent the customer from using its services. And the player cannot hope to get away with this. The transactions are made through secure channels that prevent abuse. Also the details of the transaction are recorded and archived and hence can be retrieved for investigation. The security processes in place are so strong that not only the exact date and time of the transaction is known but also the IP address of the computer from which the transaction was carried out. Hence due investigation will prove that the player made the transaction. Only a lot of people would have spent time and effort and unnecessary cost would have been incurred.
Both the online casinos and credit card companies consider illegitimate charging back as fraud and the consequences for the player are disastrous. The credit card company will cancel the card and therefore the player will not be able to use it for other purposes as well. In addition the credit card company will pursue all means at its disposal to recover the dues. The online casino will eject the player and block him from participating again. And if the player is under the impression that there are other credit card providers and other online casinos then he is mistaken. Both online casinos and credit card providers share information about fraudulent clients so the player may find his other memberships being blocked as well and his applications elsewhere will be turned down.
How To Fight Chargebacks
Hence gamble responsibly and do not try to recoup losses using fraudulent means because you will be caught and be worse off than before.
Comments
Add CommentComment by: affiliateman On: September 11, 2010
I myself am an affiliate in the gaming industry online. I make my money promoting various online casinos, sportsbooks, bingo and poker rooms. I have to agree with phizzle here. Especially on the ethics part. I for one am someone who makes their living off of this industry and every time there is a charge back that's issued with one of the players that I've brought into a casino I get screwed. I get screwed in that any monies that they've played though will eventually be withdrawn from my account balance thus making it far more volatile to be in this industry. It was much better when NETeller and Paypal were still viable options and pushed more heavily by online casinos in the US as charge backs were far more difficult with these banking options. Unfortunately you can charge back like Arnold does say but lots of people do get screwed as a result. I agree to in that it's no different then purchasing some kind of good and calling the credit card company telling them that you didn't in fact make the transaction when you did. In both cases you're lying to the credit card company and that in itself is unethical.
I myself am an affiliate in the gaming industry online. I make my money promoting various online casinos, sportsbooks, bingo and poker rooms. I have to agree with phizzle here. Especially on the ethics part. I for one am someone who makes their living off of this industry and every time there is a charge back that's issued with one of the players that I've brought into a casino I get screwed. I get screwed in that any monies that they've played though will eventually be withdrawn from my account balance thus making it far more volatile to be in this industry. It was much better when NETeller and Paypal were still viable options and pushed more heavily by online casinos in the US as charge backs were far more difficult with these banking options. Unfortunately you can charge back like Arnold does say but lots of people do get screwed as a result. I agree to in that it's no different then purchasing some kind of good and calling the credit card company telling them that you didn't in fact make the transaction when you did. In both cases you're lying to the credit card company and that in itself is unethical.
Comment by: Arnold On: September 10, 2010
Come on, no one has been burnt by charging back. There is no harm in trying. The worst case scenario is that your credit card company refuses the chargeback, which is actually quite unlikely. Remember, when you use a credit card, it is not the customer who is making the transaction, it is the credit card company. So if the credit card company rules in your favor, then the vendor CANNOT go after you directly. The credit card company has already determined it is fraud, and the only way a vendor can collect is to go after the credit card company directly. There is ABSOLUTELY no legal standing to go after the customer directly. This is why people use credit cards. Now, let me see a online casino or third party vendor sue VISA or AMEX for not processing their funds. Yeh, good luck. Once again, the consequences of chargebacks are not that the vendor can come after you. They simply cannot. It is that your own credit card company may brand you 'high risk' if you do a lot of chargebacks, but that is only if you do a lot. And you get kicked off your site and get on some kind of blacklist. But once again, there are hundreds/thousands of sites that all want your business, so this is not a big deal. Fraudsters who charge back routinely playing the big back -- cash in / lose -- chargeback may have some trouble doing this continuously with their own credit card company as they may start to wonder what the hell you are doing. But each individual charge can be charged back. Eventually though, the credit card company may reduce your credit limit, increase your rates, or cancel you, but they will always process your chargebacks, as in reality, the chargebacks are legitimate as you did not receive random internet purchases as it states you did. And don't play the ethics game. It is not ethical to accept US players in the first place.
Come on, no one has been burnt by charging back. There is no harm in trying. The worst case scenario is that your credit card company refuses the chargeback, which is actually quite unlikely. Remember, when you use a credit card, it is not the customer who is making the transaction, it is the credit card company. So if the credit card company rules in your favor, then the vendor CANNOT go after you directly. The credit card company has already determined it is fraud, and the only way a vendor can collect is to go after the credit card company directly. There is ABSOLUTELY no legal standing to go after the customer directly. This is why people use credit cards. Now, let me see a online casino or third party vendor sue VISA or AMEX for not processing their funds. Yeh, good luck. Once again, the consequences of chargebacks are not that the vendor can come after you. They simply cannot. It is that your own credit card company may brand you 'high risk' if you do a lot of chargebacks, but that is only if you do a lot. And you get kicked off your site and get on some kind of blacklist. But once again, there are hundreds/thousands of sites that all want your business, so this is not a big deal. Fraudsters who charge back routinely playing the big back -- cash in / lose -- chargeback may have some trouble doing this continuously with their own credit card company as they may start to wonder what the hell you are doing. But each individual charge can be charged back. Eventually though, the credit card company may reduce your credit limit, increase your rates, or cancel you, but they will always process your chargebacks, as in reality, the chargebacks are legitimate as you did not receive random internet purchases as it states you did. And don't play the ethics game. It is not ethical to accept US players in the first place.
Comment by: Arnold On: September 09, 2010
Um, Andrew is 100% correct. Chargebacks can be done routinely. Almost always, it falls in favor of the customer. This is primarily because the vendor does not want to expose themselves once a chargeback inquiry takes place, and doesn't have much to stand on anyway. They just write it off and move on. However, there are consequences of chargebacks for the customer -- they can get kicked off site (who cares, there are hundreds of others), they can get blacklisted (once again, there are hundreds so you can always find one that will accept your business), or their credit card company can start getting suspicious and cancel you if you have too many chargebacks (it takes effort for them to investigate each one, and they wont appreciate lots of them). However, if you lost a lot of money and don't play online regularly, then it probably is in your best interest to chargeback if you lost. Or you can bet big and see if you win and otherwise charge back, but once again this can't be done continuously. But it is all factored in. The online casinos aren't really 'losing' anything if you charge back, just a few minutes on their software. So they will happily take credit cards all day from US players knowing that chargebacks will occur periodically, since by not taking US credit cards they will lose out. They try (on this site) to scare you from charging back, but if you are on this site and are thinking about it, then go for it. I have charged back $5000 from various cards and have won every time. I still can get on plenty of sites so I am not sure what this mythical blacklist is anyway. Go for it...
Um, Andrew is 100% correct. Chargebacks can be done routinely. Almost always, it falls in favor of the customer. This is primarily because the vendor does not want to expose themselves once a chargeback inquiry takes place, and doesn't have much to stand on anyway. They just write it off and move on. However, there are consequences of chargebacks for the customer -- they can get kicked off site (who cares, there are hundreds of others), they can get blacklisted (once again, there are hundreds so you can always find one that will accept your business), or their credit card company can start getting suspicious and cancel you if you have too many chargebacks (it takes effort for them to investigate each one, and they wont appreciate lots of them). However, if you lost a lot of money and don't play online regularly, then it probably is in your best interest to chargeback if you lost. Or you can bet big and see if you win and otherwise charge back, but once again this can't be done continuously. But it is all factored in. The online casinos aren't really 'losing' anything if you charge back, just a few minutes on their software. So they will happily take credit cards all day from US players knowing that chargebacks will occur periodically, since by not taking US credit cards they will lose out. They try (on this site) to scare you from charging back, but if you are on this site and are thinking about it, then go for it. I have charged back $5000 from various cards and have won every time. I still can get on plenty of sites so I am not sure what this mythical blacklist is anyway. Go for it...
Comment by: Kinton Karling On: August 11, 2010
To be honest 'Andrew' who commented below is _NOT_ correct and you should not take his advice. He's obviously never charged back and gotten into problems for doing so. Whenever you sign something that indicates a commitment you're obligated to that commitment. If you do want to get away with chargebacks just make sure you never sign any documents required by the casino and their fax-back due diligence progress. Furthermore it's just not ethical even in the event that you could get away with it. Consider the fact that you purchase any good and just because you feel like it you decide to screw over the merchant if every one was to do this for all other industries gambling included it would create havoc.
To be honest 'Andrew' who commented below is _NOT_ correct and you should not take his advice. He's obviously never charged back and gotten into problems for doing so. Whenever you sign something that indicates a commitment you're obligated to that commitment. If you do want to get away with chargebacks just make sure you never sign any documents required by the casino and their fax-back due diligence progress. Furthermore it's just not ethical even in the event that you could get away with it. Consider the fact that you purchase any good and just because you feel like it you decide to screw over the merchant if every one was to do this for all other industries gambling included it would create havoc.
Comment by: Andrew On: August 09, 2010
You are wrong with most of this. Chargebacks are usually in the favor of the customer, especially since online casinos are illegal in the US and have to use third parties to bill. Most of the time, you will have your money refunded. The credit card WILL NOT be cancelled. You may be blacklisted, however, from that and other online sites. This is a big problem in the industry -- folks who sign up, bet big, collect their winnings if they win and chargeback their deposit if they lose. But there isn't much the casino can do about it, it is just factored in to their overall budget. Chargebacks are perfectly legal and acceptable to players since the casino is illegally funneling money through third party vendors, which is deceiptful in their own right. The only way to stop this is for sites to not accept credit cards, but they don't want to do that since that would hurt business. So now that we found the secret, chargeback as much as you can until you get blacklisted or win!
You are wrong with most of this. Chargebacks are usually in the favor of the customer, especially since online casinos are illegal in the US and have to use third parties to bill. Most of the time, you will have your money refunded. The credit card WILL NOT be cancelled. You may be blacklisted, however, from that and other online sites. This is a big problem in the industry -- folks who sign up, bet big, collect their winnings if they win and chargeback their deposit if they lose. But there isn't much the casino can do about it, it is just factored in to their overall budget. Chargebacks are perfectly legal and acceptable to players since the casino is illegally funneling money through third party vendors, which is deceiptful in their own right. The only way to stop this is for sites to not accept credit cards, but they don't want to do that since that would hurt business. So now that we found the secret, chargeback as much as you can until you get blacklisted or win!
Comment by: Melissa J. On: December 27, 2009
I've done it in the past but only when I didn't realize that the charges were legitimate. When I tried playing at the casino that I normally play at they locked my account because of the charge back which was obviously within their right to do 100% but the fact is that it caused a lot of problems for me by charging back. If you're going to do it be absolutely certain that you're not in the wrong about it.
I've done it in the past but only when I didn't realize that the charges were legitimate. When I tried playing at the casino that I normally play at they locked my account because of the charge back which was obviously within their right to do 100% but the fact is that it caused a lot of problems for me by charging back. If you're going to do it be absolutely certain that you're not in the wrong about it.
Comment by: Channy On: December 18, 2009
It's dishonest to charge back transactions if in fact you're the one that made them. I don't think it's right when people do this. I know that I for one would only charge back something if in fact I didn't make such charges that appeared on my credit card statement.
It's dishonest to charge back transactions if in fact you're the one that made them. I don't think it's right when people do this. I know that I for one would only charge back something if in fact I didn't make such charges that appeared on my credit card statement.
Comment by: Juda On: September 25, 2009
I'm with you all it's a big mistake to charge back legitimate transactions on your credit card. Also something to keep in mind is that it will and does affect your credit rating so it's really not worth it!
I'm with you all it's a big mistake to charge back legitimate transactions on your credit card. Also something to keep in mind is that it will and does affect your credit rating so it's really not worth it!
Comment by: Laney B. On: September 13, 2009
I'm in agreement with everyone on this subject as well. I beleive that charging back is only worth it if in fact you didn't make the charge that you're seeing come though on your credit card. It's always wise to inspect the charge before contacting your bank and requesting that they issue the charge back.
I'm in agreement with everyone on this subject as well. I beleive that charging back is only worth it if in fact you didn't make the charge that you're seeing come though on your credit card. It's always wise to inspect the charge before contacting your bank and requesting that they issue the charge back.
Comment by: Karl Benton On: August 31, 2009
If you charge back you will be blacklisted by online casinos. Also if the payment processing companies that online casino providers are the same as some of those that process transactions for online bingo companies, poker rooms and other forms of online gambling you may find that you won't be able to play any of those either. So just be aware that there are repercussions with charging back.
If you charge back you will be blacklisted by online casinos. Also if the payment processing companies that online casino providers are the same as some of those that process transactions for online bingo companies, poker rooms and other forms of online gambling you may find that you won't be able to play any of those either. So just be aware that there are repercussions with charging back.
Comment by: Rubin On: August 27, 2009
I too don't think that charging back is a good idea if the transactions that are showing up on your monthly statement are in fact legitimate transactions. It doesn't to anyone any good. You might thing you're doing yourself a favor by getting some money back this way but in the end it's more damaging to charge back transactions then it's worth.
I too don't think that charging back is a good idea if the transactions that are showing up on your monthly statement are in fact legitimate transactions. It doesn't to anyone any good. You might thing you're doing yourself a favor by getting some money back this way but in the end it's more damaging to charge back transactions then it's worth.
Comment by: Danny Spicer On: August 14, 2009
From what I understand individual casinos along with software providers and also many of the payments companies that online casinos work with hold blacklists of players that have charged back. Unless you legitimately didn't make transactions that you're seeing on your credit card bill should you charge back otherwise I just don't think it's worth the implications that follow.
From what I understand individual casinos along with software providers and also many of the payments companies that online casinos work with hold blacklists of players that have charged back. Unless you legitimately didn't make transactions that you're seeing on your credit card bill should you charge back otherwise I just don't think it's worth the implications that follow.
Comment by: Laney B. On: August 10, 2009
Yeah agreed issuing charge backs is not something you really want to do and something that you want to avoid as much as possible if you can. I think that if you do decide to charge back transactions you know you've made at an online casino you should be prepared to encounter issues if you play again in the future especially if you're name is logged on the software provider level.
Yeah agreed issuing charge backs is not something you really want to do and something that you want to avoid as much as possible if you can. I think that if you do decide to charge back transactions you know you've made at an online casino you should be prepared to encounter issues if you play again in the future especially if you're name is logged on the software provider level.
Comment by: Angie Kent On: July 28, 2009
I fully agree with this tip charging back is not worth it. Not only does it make you look bad to the credit card companies but it's also a problems that you'll encounter after doing this and your ability to continue playing. These negative database that online casinos store that contain information about all those who've charged back are being used more and more from what I understand so avoid doing it all together unless you never want to play at an online casino, poker room, sportsbook or bingo room again.
I fully agree with this tip charging back is not worth it. Not only does it make you look bad to the credit card companies but it's also a problems that you'll encounter after doing this and your ability to continue playing. These negative database that online casinos store that contain information about all those who've charged back are being used more and more from what I understand so avoid doing it all together unless you never want to play at an online casino, poker room, sportsbook or bingo room again.