That might have once been true, but my own recent experience makes me think that the tide has turned. I no longer expect the card companies to advocate for the consumer in these kinds of "ambiguous" situations, particularly when the business is willing to misrepresent the truth.

I disputed it, but after three months of waiting, the bank decided there's nothing they can do because Airbnb's position is protected by the user agreement and CA law. It was a severely disappointing moment.