Tafflyer I think we can't do much about the Visa/Mastercard policy. Until now, it was their good-will to process the chargeback and usually in customer's favor. Personally, for the last 10 years, I never had a rejected dispute, all cases valid and closed in my favor. In the covid19 reality they simply have too many claims so decided not to be that good for customers.

All these rules about chargeback, is only an agreement between bank and Visa/Mastercard. In our relationship with bank we don't have anything with chargeback guaranteed. So there is nothing we can claim actually.