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Online Casino Chargeback
If you’ve scrolled through online gambling related internet forums, you have no doubt seen a discussion about requesting a chargeback on your credit or debit card after depositing at an online casino. A chargeback is when you charge your credit card in order to play at the casino, and then get funds charged back to your credit card. The motivations and reasons vary, but chargebacks are what make playing with a credit card one of the more popular options as an online casino banking method.
Chargeback Your Winnings
This is the most common and intuitive reason for your card being charged back. The best online casino Australia options offer the choice to instantly deposit with your credit card, and some also let you withdraw your winnings onto your credit card. This would come in the form of a chargeback. Say you owe the credit card company $1,000, and win $500 at the casino and withdraw it as a chargeback. You would then only owe the credit card company $500. It is important to point out that some credit card companies will actually charge you a fee if you chargeback over your available line of credit, so double check that or make sure you owe more (or as much) as your chargeback winnings.
Stolen Credit Card Information
All reputable sites that take your credit card information have encryption technology and other security measures in place to ensure your safety. However, it is still possible for your credit card information to be compromised and used elsewhere. In some cases, it can be used to deposit and play at a casino, though this is relatively rare, as the person who stole it would have a tough time withdrawing to a different account name or address than the one used for the billing on the credit card. If this happens, though, just contact your financial institution, and they’ll refund your money and send you a new card.
If you are under the age of 18, it is illegal for you to gambler in Australia, but beyond that, all the most reputable online casinos practice what is known as Responsible Gaming. Part of the initiative is not allowing anyone under the age of 18 the opportunity to gamble. If you are a parent and your child uses your card to play at a casino, you could have the grounds to receive a chargeback, as it would make it evident that the online casino didn’t have the proper blockers in place to prevent it from happening.
Some online casinos will chargeback your deposit if you exhibit problem gambling, and this kind of goes back to the Responsible Gaming initiative. You can get yourself fully or temporarily blocked from a casino, and if you try to deposit with them, they should have you IP address blocked. However, if they fail to block you after you request it, you would have reasonable grounds to request a chargeback, since you specifically said that you were a problem gambler and to not let you access the deposit option.
Fraudulent Chargeback Requests
Your financial institution will almost certainly side with you and refund your money if you tell them you don’t recognize the charges, but the casino itself will blacklist you. And beyond that, it’s pretty safe to say that you only would get one go at that if you’re doing it fraudulently. However, honestly, if you deposit too much and lose it all, it might be worth it if your morals align with that as an option.