It's worth noting that this isn't neccesarily how credit card disputes work in other countries. If I want to dispute a charge in the UK I have to first dispute it with the merchant, then if they refuse to give a refund dowload a 10 page .pdf form from my bank, fill it out, print it and sign it (digital signatures will be rejected) give copious evidence that I am not to blame, and then send it off. After a few weeks and probably at least one or two follow up calls I might get a refund. Other countries may have better or worse systems and credit card companies (and banks) are interested in the global market, not just the USA.