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I think a CC company would accept a charge back phone call no matter where it came from.. because I *think* they make more money on the CB penalty they charge the merchant!
Also I think you'll see more cross sells die off because of some new rules. You'll see them, but they'll be all "in house", which would put an end to the companies that only really exist(ed) to buy cross sell boxes from other people. But dont quote me on that, it's just heresay.
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