Originally Posted by
orbitmic
I don't think that's a helpful framing because basically:
- For any case where BA would give you a full refund then I think that there is a good chance a charge back would be allowed to. But then what's the point of choosing the chargeback route? It could be questioned and take longer with your CC provider asking you for explanations, investigating to make sure it's allowable etc so the refund route would be a lot easier;
- For any case where you would not be entitled to a refund (for instance if you already accepted the rerouting, then almost certainly BA would successfully dispute the chargeback.
In short, I don't think that there is any case where a chargeback would be the route that makes sense, because the refund route will invariably be easier, faster, and more certain whenever it is allowable, and where it is not, chargeback won't help you.
In addition, if for some reason they did not contest the chargeback (let's say, hypothetically, for reasons of organisational incompetence), they also doesn't stop BA going after you through the courts to recover the money.
There's a widespread misunderstanding that chargeback (as distinct from a S75 claim) is some sort of binding arbitration process, and that's just not the case...