> eBay just doesn't care and they really have no incentive to care either. Your credit card company works for you and they will always care.
So why does your credit card care? The only reason is because you might cancel your cancel card, or you might use it less often because you perceive it as risky, or you might bad-mouth them to others causing them to lose reputation.
But eBay should care for those same reasons. You might cancel your eBay account, or you might use eBay less often because you perceive it as risky, or you might bad-mouth eBay to others causing them to lose reputation.
I happen to agree with you that complaining to your credit card is more effective than complaining to eBay. But I don't think it's because of the reason you stated. It's some other reason but I'm not sure what.
The reason your credit card company cares more than eBay or PayPal or any of these other non-credit services care about it's twofold. First I do believe it's because you're their customer and there is a lot of competition in the credit and banking industries. eBay doesn't have a lot of effective competition in its area. There are other auction sites and other places to purchase things but not all things are listed everywhere and so you don't have the ability to just pick and choose where you purchase from specially for odd items. For choosing which bank is going to issue your credit card you have many many many choices and they all work about the same and differentiate themselves based upon their extra amenities and services.
The second reason your credit card company cares is because of the Fair credit billing act. It is written into law that they must have this chargeback policies and so forth and these other consumer protections. If it wasn't law would they have them probably not but because it is law they stand behind it and it becomes a feature that they were forced to issue that is a good selling point. Because unlike dispute policies written and enforced by a company all by itself with no law behind it if you disagree with how the dispute is handled by your credit card company you actually have legal protections and legal recourses behind it.
So why does your credit card care? The only reason is because you might cancel your cancel card, or you might use it less often because you perceive it as risky, or you might bad-mouth them to others causing them to lose reputation.
But eBay should care for those same reasons. You might cancel your eBay account, or you might use eBay less often because you perceive it as risky, or you might bad-mouth eBay to others causing them to lose reputation.
I happen to agree with you that complaining to your credit card is more effective than complaining to eBay. But I don't think it's because of the reason you stated. It's some other reason but I'm not sure what.