I think it's still worth it even if we have to deal with a few charge backs. In my opinion having 10 - 20 memberships fall off the books every month because they forget to renew is much worse.
That drives up the cc rates, and i'm guessing the chargeback cost is $30/ea for this level of activity. you could be right that someone would just call and
get a refund cause the timing is bad....there are rules about notification that need to be adhered to... let me check with the expert when she gets home.
probably need to do a quick member survey to see if they would sign up for it. - i could see scenarios where it reduces income where people may upgrade.
ya think the big bike companies would pay for a first year for a kid when they get a new bike....
Anyway, if you ain't signed up for JORBA - do it now!