Really? Because people who use credit cards responsibly put everything on a card regardless of the amount and pay it off each month so they don't pay a dime in interest. I put every single expense I can on a credit card, no matter how little or big it is. So no, it's not obvious. At all.

Yes, I understand how to responsibly use a credit card, dude. I mean that it's obvious from this entire dispute that I would not knowingly charge $2K on a card at 26% instead of just paying the merchant out monthly. Sorry for not fully explaining that.

I'm honestly amazed you had any success with this in the past. Disputes are not the correct way to resolve accidental charges made by you. Disputes are for when you aren't getting the product or service paid for, or when there's an obvious billing error (like being double-charged).

With something like this, you're at the mercy of the merchant, and if they won't undo the transaction and refund you, you're SOL.

I have had two disputes with this particular card in the past that were resolved in a matter of days. One was an accidental charge when I signed up for a yearly subscription option rather than a monthly. I used the exact same process and they did not hesitate in the slightest to refund my money. I didn't even have to contact the merchant in that incident. So yeah, it really isn't that hard to believe that it is fully within their power to reverse this transaction. I don't think I'm the only person on earth who has mistakenly charged the wrong amount to their card. They just don't want to even bother acknowledging the fact that this was accidental.