Hi, @Waistsnbelly . If you accept credit cards on your store there is always a chance you will have to deal with chargebacks or inquiries, as this is an option offered to most cardholders via their bank or credit card company. That being said, I can understand how chargebacks can be difficult to deal with.
When a cardholder has an issue with a charge on their credit card, they can contact their bank to dispute the charge. The bank then makes a chargeback or inquiry and makes the decision regarding the dispute after reviewing the evidence. Shopify doesn’t have a hand in the decision, but Shopify does provide an easy way to submit your evidence showing the charge was valid to the bank that made the chargeback or inquiry. You can learn more about chargebacks and inquirys, and how Shopify can help with this here.