"When I called Apple support they said that there is nothing they can do to reverse the charges, and my only option would be contacting my bank and reporting th

"When I called Apple support they said that there is nothing they can do to reverse the charges, and my only option would be contacting my bank and reporting them as fraud." So Apple, who is the one charging the credit card, claims to not be able to do a refund, and then suggests to report it as fraud. What I’m curious to know is how would Apple then react to the chargeback - my guess: they’d lock the user out of their iCloud account, claiming fraud or abuse.