Thanks for the heads-up. Exploring other channels now. We can't risk having the account shutdown for 200 days (or even 30).

The other option is to file a small claims lawsuit if it's a small enough value in your municipality (some areas do allow claims to $10k, some even a little more). Or just have a lawyer send a legal threat with documentation.

If you can't do chargebacks anyway, then what's the point of even using a credit card for this?

You can do chargebacks, it's just that you are not likely to have business with that merchant again. No big deal, given that that merchant is proven to be not very reliable with your money, right?

The issue arises when there is no other merchant, in other words - when there is a monopoly, or something close to it.

Which is exactly the case with Meta. That's the issue. If you are in U.S., please ask your representatives to take some anti-trust action and split this company once and for all.

In my experience with non-tech businesses, the point of using a credit card for large business expenses is to get credit card points.

There's a fun story that goes around about the president of an unnamed tech startup using his amex to pay the company's payroll, until they told him to knock it off.