Before the WWW I was subscribing to ShotgunNews and bought from ~~100 suppliers with my VISA or MASTERCARD. I never had a problem.
Now with online suppliers I almost never have a problem. Sometimes an outfit will go out of business before they ship. It takes a week or two for the credit card company to refund me.
If there is a contested transaction with either of those cards, the buyer always seems to win. Don't abuse that privilege, like my ex neighbor did. She demanded a refund for everything.
But if you want trouble.... buy used machinery on ebay and pay with paypal. It is not a question if you will have trouble, it is when. It takes a lot to get me to fight something, so when that happens, I throw it in the garbage and chalk it up to risk.