I wonder what a credit card dispute would result in here. Underutilized feature when businesses pull shady shit. Think I’ve had 6 or so disputes over the years, never failed.

Too many people these days don’t use or have access to credit cards for services like this. Many people I know only use bank debit cards, or worse, use the debit preloaded cash cards issued by their employers’ payroll service provider.

Credit cards motivate banks to help you, because if you won’t pay, and the business doesn’t pay, the bank has to take the hit.

Debit cards will work as well if your bank values it’s reputation - but not all banks do.

And I would not trust a preloaded card provider to assist. You are neither their business partner nor their customer and that puts your interests at the bottom of a very long list. You have to hope some law is on your side or that your issue is so trivial that resolving it is more cost effective then dealing with you.