That policy is solely for disputes. So it only applies to chargebacks of transactions you've previously authorized, not for fraudulent unauthorized charges. I

That policy is solely for disputes. So it only applies to chargebacks of transactions you've previously authorized, not for fraudulent unauthorized charges. If I took an Uber (or attempted to take an Uber) and I had a dispute with them about payment = attempt to work it out with Uber first. If I didn't take an Uber at all = contact bank.