Disputing a credit card charge by asking for a "chargeback" can lead to being put on a blacklist that merchants can check for customers who might try to defraud them.
Getting off the list costs $99, although the fee is waived if the customer didn't know they were committing "friendly fraud," said Brien Heideman, founder of BadCustomer.com, which keeps such a customer list for retailers that don't want to get hit with costly credit chargebacks.
But until they're denied by a merchant, either online or in a store, many shoppers probably won't know if they're on the blacklist and should contact BadCustomer.com to get their name off of it. Getting off the private list can be done online, and it's a pretty hefty list, with 6 million people on it from the United States and Canada, Heideman told WalletPop in a telephone interview.