Are you saying that comcast will negatively affect your credit score because you submit a chargeback to them after they failed to cancel your service?
I believe that is indeed what the parent post meant. If you do a chargeback, that just means you did not pay the Comcast (or whatever) bill. Comcast will likely not treat that any different than if you didn't pay, if they feel the bill is valid; your account will be sent to collections, and also show up negatively on your credit report.
Dealing with small contract issues like that with a large, bureaucratic company can be like cutting your nose off to spite your face; you cause yourself more long-term damage. You may be 100% in the right, just like a pedestrian in a crosswalk; it is still in your benefit to dodge the bus.
IANAL, but in a contract dispute, at least with a small-ish charge, the best course is to pay the bill (under protest/duress; you can indicate such in the comment on the check). Then file in small-claims court. I would reserve chargebacks to companies that have scammed you (not just crappy businesses, like Comcast/etc.), fraud / identify theft, etc.
Of course, ideally you would want to get the issue cleared up before going down that route, as well.
I believe that is indeed what the parent post meant. If you do a chargeback, that just means you did not pay the Comcast (or whatever) bill. Comcast will likely not treat that any different than if you didn't pay, if they feel the bill is valid; your account will be sent to collections, and also show up negatively on your credit report.
Dealing with small contract issues like that with a large, bureaucratic company can be like cutting your nose off to spite your face; you cause yourself more long-term damage. You may be 100% in the right, just like a pedestrian in a crosswalk; it is still in your benefit to dodge the bus.
IANAL, but in a contract dispute, at least with a small-ish charge, the best course is to pay the bill (under protest/duress; you can indicate such in the comment on the check). Then file in small-claims court. I would reserve chargebacks to companies that have scammed you (not just crappy businesses, like Comcast/etc.), fraud / identify theft, etc.
Of course, ideally you would want to get the issue cleared up before going down that route, as well.