Charge backs aren’t just granted arbitrarily though. I spent almost $1k on getting my wheels refurbished. When I got them back, they had done more damage rather than repair them, and now the wheels cause major vibration.

Visa denied the charge back because a “service was provided.” Despite the owner telling me on a recorded call that he’d never refund me or make it right, and sending over forty pictures of before and after. I’m out the money and Visa couldn’t care less.