Merchants can appeal. And if they do, you can be out of luck - they can lie that they did provide you with a service, and you won’t have access to any of their

Merchants can appeal. And if they do, you can be out of luck - they can lie that they did provide you with a service, and you won’t have access to any of their statements to respond to them. It’s many months long process but possible. Source - happened to me. Ended up relationship with both the merchant and credit card company. And have $2k less in my wallet.