Given how low they are already stopping, they likely have a dedicated team for chargebacks that will fight tooth and nail to challenge it.
I am currently dealing with a chargeback team for another company, and the amount of time they’ve dedicated into challenging me likely exceeds the chargeback value itself.
> the amount of time they’ve dedicated into challenging me
They likely haven't used much time at all. Big companies get thousands of chargebacks, and can gather evidence all automatically in a matter of seconds. It'll all be templated documents anyway.
> I am currently dealing with a chargeback team for another company, and the amount of time they’ve dedicated into challenging me likely exceeds the chargeback value itself.
For the company the value is in keeping their chargeback rate down, not in the money itself. If your chargeback rate gets too high it becomes increasingly difficult and expensive to find a card processor who will work with you.
They'll point you to the T+Cs which is something my bank did recently. Even though the company had changed identity to avoid their customers, the bank still went to the new web site for the new company and pasted the T+Cs from there.
Disputes are not just for fraud. If you got tricked into paying for something or didn't receive the promised goods/services it's also a valid reason for a dispute.
