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A CB is when a person informs their bank that the charge on their cc wasn't authorised by them. The bank then refunds/credits the charge back to their card. The bank then passes on a CB fine/fee to the company that placed the charge.
A refund is when the company that charged an amount to a persons cc cancels the charge and credits it back to their cc.
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This timeline is farken wild 
Darker Reads
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