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what power imbalance?

obviously if you give them cash deposit there's not much you can do, but with a credit card you can easily dispute the transaction

I always pay my bills in full and on time, but if a merchant tries giving me the run around I will simply dispute the transaction and then the pain moves entirely to them

with a credit card the power imbalance is entirely in the consumer's favour



This is the theory but in practice vendors can an often do retaliate by refusing to do business with you until you pay up - and since competition is barely existing in many instances that's going to be much more pain for the consumer than a credit card dispute is for the vendor.




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