I've got a .1% charge back from Credit Cards and had around 40% charge back from cheques. The bandwidth these guys used made it look like they knew exactly what they were doing. So I removed cheques after 6 months and got two complaints from members that were honest with their chequing account. Strangely within 3 weeks both were members again using credit cards.
So it seems if someone wants it enough, they'll find away.
regards
garv
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