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Any business that abuses their visa merchant privileges by charging another entity's customer visa to the tune of $14,000 knowing they have no intention of providing the cardholder any products or services in return, knowing the other entity is untrustworthy, and without disclosing to the cardholder that they are merely collecting on a past debt owed them from the other entity rather than installing solar panels for the cardholder should not be touched with a ten-foot pole.