I hate having to dispute charges with the CC company because I don’t like the idea that the merchant gets stuck with the bill, but I have done it on a few occas

I hate having to dispute charges with the CC company because I don’t like the idea that the merchant gets stuck with the bill, but I have done it on a few occasions where I felt like I had absolutely no recourse. I recently had to do this with one of those gigantic furniture warehouse places. I paid full retail price + delivery and setup changes for a bed. The guys came and set up the bed, but it had some greasy smudges all over the headboard and some other ones issues I can’t recall, so I called to complain and they basically gave me the runaround and said there’s nothing we can do because I didn’t reject the item right away and that it was only cosmetic. I wasted my time begging and pleading with store management and their customer satisfaction department, but there was never any real resolution. In the end they offered me a $100 gift certificate towards my next purchase. I felt insulted and exhausted at that point and kindly informed them that I would be doing a chargeback. “ok”, they said. The next day I got a credit for the full cost, which IIRC was about $900. I honestly felt horrible for doing that because I essentially got the bed free. I suppose the company’s policies simply didn’t allow them to actually do the right thing and fix or replace the bed. Perhaps it was simply less costly for them to eat the coat of a chargeback instead of paying someone to fix the problem or replace it due to labor and other costs.