[lxgr]

That’s completely false. Visa/Mastercard chargeback rules are fairly uniform globally, and disputes are possible in many (if not all) non-US countries as well.

Whether your bank knows how to use them well to represent your interests is a different matter. For example, I’ve seen banks decline chargebacks against bankrupt merchants in certain countries because they were poorly advised about the legal ramifications, and other banks in the same country win the exact same kind of dispute. Lacking sufficient reading comprehension to parse the dispute rules (it’s a long PDF!) also seems common.