My first observation based on the matrial I have access to is that we should start to classify credits and chargebacks into 3 time periods based on what time they occurred from the orginal signup date:
Short Term = 1-60 days
Mid Term = 61-120 days
Long Term = 121-xxx days
This is because it would help to determine why a chargeback or credit have happen, and in the future use findings to prevent similar credits and chargebacks.
Ex. Short Term credits would probably be because of technical issues with the paysite, and disappointment with the content, and ofcourse cancelling reasons, while Mid Term/Long Term credits will mainly be because of subscription cancelling reasons.
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