You look on your bill or card for the phone number and call, the will walk you through it.
Or my card has online statements and I can review all charges and each one has it’s own little box to check then click dispute on one or several simultaneously.
Credit cards have more robust protections so when I travel I only use the credit card.
Been through lots of disputes because fraud and skimmers are so common now. They think boomers are easy targets. Many are, I suppose, if they aren’t tech current.
Oh, I call that a dispute. Sorry, the terminology “chargeback” was confusing me. Yes, I agree with you that credit cards are very pro consumer.