That's the thing, right? I would not be surprised if they have an agent that bans accounts that do chargebacks on them even when they're wrong. So you either accept it if you have to use it for work or you risk and deal with the possible consequences.

If a merchant tries to claw back a disputed charge they are going to get a big fee at the least.

Nothing so far, but I'm keeping an eye on it and debating just canceling entirely.