Not sure which is better though; as a former internet vendor, we blocked cc payments from the US for this very reason. Rather have less clients than being that easily scammed. Here it is too hard, there it is too easy. But hard does mean you have to think about it at least and not 'oh I made an impulse buy, remorse, let's chargeback'.

credit card company’s primary purpose is to protect me, I am making them a ton of money. hence, they should ablige to my every request (stop payment being number one on the list). insane they won’t help you without a ceremony. I never talked to the vendor first, the first thing I do is stop payments through my credit card and then I reach out to vendor.