“I used to work in credit cards. If you disputed a charge for less than $75 (not as fraud), we would just credit you the money. Most the time we wouldnt even investigate it past the initial chargeback. If we didnt win the case you still got your money back.
However if we find out you’ve figured this out, we would stop giving you the credit unless we won. We’ve even closed accounts that took advantage of it.”
It's actually true for many products. Many cheap supermarket house brands are often made by the big premium brands just in a different package. Some hygiene products are available from dozens of different brands but in reality, there are only two companies in the whole country that make it and with the exception of some slight changes to colour and fragrance it was all the same stuff.