These are my current stats:

http://i.imgur.com/sFfDQVr.png

Have around 64 transactions. 0 Chargebacks so far.

I would recommend everyone to NEVER do big amounts on a single transaction.

You should set Lending Offers and remove Rating 1. You don't want to deal with new Rating 1 borrowers. Just remove it from the page.
Only deal with Rating 2, Rating 3, 4 and 5.

My Lending Limits:

http://i.imgur.com/77FCQo8.png


You should pretty much expect chargebacks only from persons aged between 12-25 years old (damn kids with mum&dad's credit card & PP account).

I highly doubt that a decent mature person would do a chargeback after he received his Bitcoins. A couple of borrowers are aged well over the age of 40 years old. Even had a 70 years old lady due to her ID picture. Those are decent borrowers.

Here's my suggestion:

There would be a great idea if xCoins made it possible so that we can choose with who we are dealing with first before we accept them as borrowers. It would be nice for the Lenders to first receive a picture of the face of the borrower and if he's just a kid and/or looks sketchy in any way, you should be able to decline him as a borrower. I believe this would help and prevent alot of chargebacks, if we can see and choose the one that we're dealing with. This should be available only for the Lender. It's just an idea.