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I'm not a lawyer and this is not legal advice: disputing debts is not by itself fraud, even if you end up losing. If you have some "colorable claim" (i.e. some basis in law and fact to think that a court might plausibly rule in your favor), then you are in your rights to test it in court. But don't be surprised if upon losing, you are forced to pay interest and/or other damages accrued due to the delay.

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Credit cards allow for disputes when there are problems with the transaction (fraudulent seller, not honoring terms, not providing services, etc). It does not cover you mistakenly buying what you don't need.

Filing a dispute when you knowingly made a mistake is a bad move, and your bank will quickly figure this out when AWS provides the billing statement, API logs and signed TOS. You're going to have a very tough time if you try to litigate this in court.

Debts (or at least payment plans) can be negotiated. Disputing to weasel out of them will only make things worse. A little communication can go a long way.

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