I've been with my bank 15+ years, and have a good credit rating. The one and only time I tried a chargeback, they approved it virtually before I could ask for

I've been with my bank 15+ years, and have a good credit rating. The one and only time I tried a chargeback, they approved it virtually before I could ask for it. I think they look at your account and see you've been a good customer and give you the benefit of the doubt.