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Join Date: Feb 2001
Location: Berkeley, CA USA
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I don't know if the numbers back this up, but my guess is that Visa/MC cardholders are more likely to win charge disputes than Amex cardholders. Businesses pretty much have to accept Visa/MC. There are some Amex-only businesses out there, not many are comfortable turning away Visa/MC. Accepting Amex, however, is a decision that can go either way for most businesses. Amex's interests are thus more skewed to siding with merchants in these disputes. Sure, they don't want to lose a cardholder, but they really don't want to lose a merchant.