If you use the iOS app for Bank of America, there's a "dispute this transaction" button for every charge. If you click on that, you'll be informed that your ca

If you use the iOS app for Bank of America, there's a "dispute this transaction" button for every charge. If you click on that, you'll be informed that your card will be cancelled immediately for your own protection, and a new one issued. When what I want is to charge back to a vendor who never shipped and won't refund when contacted. You have to get on the phone, wait for half an hour, and then be very nice about the whole thing, while trying to avoid a card replacement, which is easy and safe for them and very hard for you.