Depending on your card it could be a pain and cost you some money. Mine requires a new card if I want to do a charge back.

You need a new credit card company.

I would definitely switch, it isn't hard and I've done it in the past just to get better terms or rewards several times.

But wouldn’t it affect your credit score?

Momentary dip. It recovers after a few months as long as you aren't doing anything else to mess up your score like not paying bills. I guess some people love those perfect credit scores but honestly anything over 750 is fine for most things even getting a mortgage.

"My hospital staffs fake doctors." Okay! That is not normal, and in no way does it change the general recommendation.

A chargeback should be (I would imagine is required to be, but haven't checked) free. If the company wants to roll the number too then fine, but that should be just inconvenient not a cost.

If your credit card company is charging you, leave them.

Never heard that, I’ve only done it twice but would be surprised if I was asked to pay for it.