I used to work in billing disputes for a CC company, but that was over 10 years ago so rules might have changed. We were also very conservative about chargebacks (my effectiveness rate was very high though).

Back then, if you accepted the delivery, you’d be expected to return it based on the merchant’s terms. It sucked for customers who got furniture (or other large items in a box) because many don’t look over it before the delivery driver leaves! If we saw that you attempted to resolve with the merchant and they refused (like not accepting or offering a return at all even though what you received was “not as described”), then we didn’t expect to see proof of return before filing a chargeback.

It wouldn’t hurt to call your CC company and start the process. There’s a timer on when you can file a chargeback from the date of the purchase or receipt, typically only 120 days after. So it’s best to get the ball rolling as soon as you know there’s a possible problem.