You get your credit card bill and  notice a $100 charge from theworldsmostembarrassingsite.com. You only go to non-embarrassing websites, so you know you didn't charge that $100. You call the credit card company and dispute the charge. The credit card company calls theworldsmostembarrassingsite.com and tells them they're not getting the money. The credit card company takes the charge off your account.

That's a chargeback.

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