Dear Mosboris,

> Is there any reasonable way (exept accepting e-currencies ) 

Accepting gold backed currencies such as GoldMoney or e-gold
is a good way to do business.

> to fight with bad customers who bought your online product 
> using credit card and ask money back through their bank?

Yes.  Several ways.  First, when they ask to purchase with
a credit card, get their address and phone number.  Call
them up to verify that they are making the purchase.  By
itself, that event helps your case.

> May be there is some rules like for a example  "customer 
> can ask charge back not later then within 7 days after 
> purchasing" or you can expect charge back from any 
> customer any time?

You can impose that rule, but it won't do you much good.
You can expect chargebacks at any time.  Even if you make
the customer click an "accept" button that says that they
have only seven days to refuse the charge on their credit
card, the credit card companies may not accept that action
as signifying anything.

If, on the other hand, you don't provide the customer with
anything of value until a period of weeks has passed, and
you make the credit card customer aware of this fact up
front, you may get some advantage over those who would
claim their card was stolen.  If they use the card during
the intervening time for something else, and don't want
that charge reversed, then they can't very well claim a
stolen card.

But, the value of credit card purchases for online stuff
is instant gratification.  You are going to have to have
something pretty clever in order to get people to wait
very long for it.

Regards,

Jim
 http://www.Cambist.net/ 



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