How to Manage Post-Holiday Returns

The issue is centered around a chargeback process. Filing a chargeback has become an easier and more expedient process than actually contacting the merchant for a return. Consumers have little time to spare, and they look for the instantaneous solution — i.e., filing a chargeback with their bank. This problem is hindered when merchants are slapped with additional fines that could have been avoided by speaking with the consumer directly. Consumers are also unaware of repercussions to their own credit score and the costly fees for banks and merchants.