The statement above of aries2756,
when the bank (credit card company) investigates, they might not refund the money depending on what they conclude is fair and right in this instance. If they feel the consumer is right they will refund the money, if they feel the store is right under the circumstance they will not refund the money.
is correct. Keep in mind, however, that your credit card company is not Small Claims Court which is probably where you would be better off addressing certain claims providing that you can bring a suit there (e.g. the business is located in New York City).