You’d be surprised. Most people formulate their love for chargebacks via interactions with small sketchy merchants who are unresponsive or obstinate. In those cases the CC companies are always on your side.
That rule doesn’t apply to giant sophisticated companies that process a lot of transactions and have detailed rules, lengthy contracts or fare fules and so on like airlines or car rental companies. The CC companies are going to give them the benefit of the doubt in a different way.
My experience agrees. I had a bad rental from Hertz, and American Express rejected my chargeback three times.
The evidence Hertz provided was literally a letter that just said they provided services for 5 days, even though they provided me with a detective vehicle and charged me for 10 days.
I understand the point of contention on how much I should pay for a broken car, but I don't understand why American Express can't check that the time period is wrong. In the end, Hertz at least refunded the overcharged number of days because it was so easy to convince anyone paying attention that it was wrong ...
I noticed as much, one was with Dish Networks and I made sure to cite specific relevant contract clauses, provided documentation like "on date A at time B I spoke with rep C who provided employee id number D and said E providing confirmation number F...", then the Dish rep still tried to barter down the charges until I stated "I do not think we can reach a resolution and plan to deal with the cc company directly to proceed" for a reversal to be processed. This was ~$500, I'm sure it gets much worse.
That rule doesn’t apply to giant sophisticated companies that process a lot of transactions and have detailed rules, lengthy contracts or fare fules and so on like airlines or car rental companies. The CC companies are going to give them the benefit of the doubt in a different way.