Lol be positive about the situation 😂 Banks are able to chargeback on anything under 6 months old, after that point, you have to submit a letter in writting explaining your reason for the dispute... but I've chargedback something that was over two years old on several occasions lol 😂😂(I'm a financial advisor) actually did it a lot....but your money is in safe hands, you'll be pleased with the contracts...my day is going good and it can only get better from here, how's your day going bud?