I use my credit card for everything, and pay it off fully every month.

I had to do a chargeback once. Convert tickets bought in December 2019, concert obviously cancelled. Ticket site wouldn’t refund, they just kept saying “oh just wait until it’s rescheduled” when I E-mailed for a refund. I asked four times. I told them “even if it is rescheduled, I’m not going to a concert in a pandemic.”

I went to my credit card’s web site, clicked a button, wrote a sentence, and the charge was gone. Never heard about it again. It’s truly the way to go.