Agreed with other comment. I used to work with credit card network. Chargebacks are a penalty for merchants, not consumers. In the case of a disputed charge,

Agreed with other comment. I used to work with credit card network. Chargebacks are a penalty for merchants, not consumers. In the case of a disputed charge, the worst that happens to the consumer is they do not get their money back. The merchant has to pay a fee no matter the outcome. It's used to force merchants to be as clear in their accounting practices as possible.