Credit card companies told me that if you REPORT the dispute BEFORE you pay the current bill, then follow it up in writing, that there is no blemish to your payment history.
I check my report annually, and they have never blindsided me.
I've had good experiences in getting fraudulent charges taken care of. This has given me a "no fear" attitude towards using them.
All I can say is that they have proven to offer the "consumer protection" that they advertise. There is no way they can keep scammers from charging to your card. But so far they have insulated me from having to pay any of those bogus charges.
I'm a believer.