I have only done one chargeback in my life. I find that usually companies are good about refunding if there are any problems, and the one chargeback I did was for a product that was never delivered.
I dont charge back all to often. But i find that powersellers on eBay will either give you quick refund or they will do everything in there power to keep your money.
Well, I've chargeback a fraud guy very recently, got my back. I warp up..this was my first experience with chargeback. I'm also glad to have this option, to fight against culprits.
I rarely do chargebacks. Why? Most items I buy off eBay and being smart, I don't really need to. Unless the item I receive doesn't come in the mail at the suggested wait delivery.